Answer = The democrats, entirely. Who tried to fix it before the disaster hit? G. W. Bush - that's who.
The video record above shows, in their own words, that George Bush tried to warn Congress, beginning in 2002 and then ongoing until denouement, that this economic crisis was coming, if something was not done.
But congress refused to listen, siding instead with Barney Frank, Chuck Schumer, and Chris Dodd, the latter two leading successful filibusters against reform of Sallie Mae and Freddie Mac, the first leading a public campaign accusing reform minded republicans of "discrimination" and "racism" against low income Americans - when not busy running a male prostitution ring out of his basement...
This video merely states the public record.
No absolution for the Clinton administration either, which promoted and supported these lax lending policies with threats to withhold funding if they they were not implemented, as Freddie and Fannie are federal creations that must conform to their federally appointed boards - Clinton appointees all. Hello, Franklin Raines?!
A warm "F You!" to leftist radical organisations such as Acorn, which lead protests in the streets against these institutions they deemed "not liberal enough" in their lending policies - try standing up to Jesse Jackson when he blackmails your company with the public threat of "racism!"
Community organizers - God help us if one of these fanatic leftist communists ever gets hold of executive power in the United States of America because, well...oh never mind...
A final "stick it where the sun don't shine" to the MSM drive-by press, which knows all of this, and continues to sweep it under the rug in the name of socialism, to the extent that they had Time Warner threaten a lawsuit (proprietary rights) if it was not taken off. This link is of the same video but is routed through Canada.
For the record, everyone...T special thanks to shallow kitty for the link!