While they may be conducting their own investigations, federal prosecutors and national bank regulators for the most part aren't the ones leading the investigation into the foreclosure mess. At least that's the perception--one that's reinforced when Elizabeth Warren, Obama's head of consumer financial protection, says her money is on a 50-state investigation by the states' attorneys general. The New York Times' Joe Nocera, for instance, has said that the the handful of federal investigations into the subject are "not going to amount to a hill of beans."
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