Even as the Treasury is going public with its expectation that banks’ will be quick to repay their bailout money, GMAC Financial Services is asking the government for more cash.

Treasury officials confirm that they are in talks with the Detroit-based lender over a third injection of taxpayer dollars. GMAC has already received $12.5 billion from the Troubled Asset Relief Program (TARP) fund – $5 billion last December and $7.5 billion in May. Citing unnamed people familiar with the matter, the Wall Street Journal reported that the U.S. government could hand over another $2.8 billion to $5.6 billion to GMAC.

Earlier this year, following the ill-famed bank “stress tests,” federal regulators ordered GMAC to raise an additional $11.5 billion by November or take another government hand-out.

While other banks deemed to have capital deficits have filled their holes with private investment capital, GMAC is not listed as a public company, making it difficult for the institution to attract money from investors.

“GMAC is the only one of the banks that went through the stress test to need additional government capital,” a Treasury spokesperson told the Journal. “All other institutions were able to raise any necessary capital from investors and several paid back the taxpayer.”

GMAC is the parent of Residential Capital LLC (ResCap) and GMAC Mortgage. Its capital troubles, though, stem primarily from the sinking auto industry. The government already owns 35 percent of GMAC as a result of its first two bailouts and the bankruptcy restructuring of General Motors, for whom GMAC provides financing.

In a separate move, GMAC said Wednesday that the FDIC has agreed to guarantee a $2.9 billion debt offering. The FDIC’s backing makes the debt sale more appealing to investors. According to multiple media reports, the FDIC’s intent is to help prevent the company from having to reduce its lending volume and ensure GMAC can continue to fund its daily operations. The nod from the agency came just four days before its bank debt-guarantee program, the Temporary Liquidity Guarantee Program, is set to expire. The FDIC backed $4.5 billion in GMAC-issued debt in June.

GMAC posted a second-quarter loss of $3.9 billion. The company is scheduled to release its third-quarter results next week.