The Obama Administration is committed to ensuring that everyone in the mortgage process-banks, mortgage servicers, and other institutions-are following the law. If they've not followed the law they should be held accountable. Banks and mortgage services expect that homeowners will meet their obligations under a mortgage; American homeowners should have the same expectation that banks and mortgage servicers meet all of their responsibilities. And it is our job in the federal government and in state and local government to make sure that they do. In meeting that obligation, the Obama Administration has coordinated the reviews and investigations conducted by a broad range of federal agencies and with the 50 state attorneys general to reach a servicing settlement agreement with lenders who have violated state and federal law and Americans' trust.