One of the most frustrating things about Obama (next to his not going after the torturers from the Bush administration) has been his unwillingness to make the banks pay for their misdeeds in the financial crisis. He continues to characterize their misdeeds as mistakes rather than criminal actions. He and Holder have done this without any evidence from any actual investigation. They simply take the banks at their word ... just as they took Bush's claims at his word that they did not torture (despite clear evidence ... to anyone with open eyes ... to the contrary).
The current rush to give the banks waivers from their possible past crimes as part of a mortgage settlement agreement, without any real investigation into what the banks did or did not do, is a clear case in point.