The president is trying to restore faith in his administration and in the country's financial institutions. Faith that's been badly damaged by bailouts and an absence of criminal prosecutions.
When Shirley Burnell filled out her home improvement loan documents her lender told her the adjustable rate was only temporary.
"Do this and this is no problem in a couple of years we'll go back in and we'll refinance it at the 30-year rate and everything will be fine, well that wasn't what happened," Burnell said.
Burnell has been protesting her higher than market rate interest payments and believes the only way the banks will budge is if the president makes them.
"I think that they all need to be held accountable for this," Burnell said.
In Tuesday's State of the Union address, President Obama made that promise.
""This new unit will hold accountable those who broke the law, speed assistance to homeowners, and help turn the page on an era of recklessness that hurt so many Americans," Obama said.
Friday, Attorney General Eric Holder announced the formation of a fraud task force.
"This new effort will improve our ability to ensure justice for victims to help restore faith in our financial markets and institutions and allow us to answer the call that President Obama issued earlier this week," Holder said.
Many Americans remain disappointed with the fact that no major players responsible for the mortgage meltdown have been criminally prosecuted.
"They put mad off in jail for what he was doing, I think the bankers need to go to jail for what they did," Burnell said.
Burnell has been saying that at rallies and on television interviews and she still has faith it could happen.
But Yahoo finance analyst Aaron Task believes it may be too late.
"IndyMac is not longer with us, WaMu is no longer with us, so there is a lot of paper work that has gotten lost in all of the deals that were done in 2008 during the crisis, so I don't know if we're ever going to know the full story of how much crime fraud and abuse occurred," Task said.
This isn't the first time the white house has promised to root out wrong doing in the mortgage security meltdown. Back in 2009 he announced a task force would hold those accountable for the financial crisis.