Start the recovery of the people's faith in the stock market to act within it's boundaries and laws.

Recover the faith of the people of the United States in the ability of the stock market and it's policing bodies to effectively do their job.
Direct penalties to financial institutions involved in manipulating the housing market at recovering previous home buyer's lost faith.
Come up with a way to generate loans for the majority of home buyers who were targeted by the housing and loan industry.
Fund and generate loans at the initially agreed upon rate, or better, to those home buyers who were expected to faithfully carry their end of the mortgage. Do this according to the home buyer's credit score at the onset of the home loan that sent them into default.