These trumped up charges are being used by Obama to accomplish two things:

One--

An attempt to get support for regulations to give more control of the
private financial sector by the government.

Two--

Take the heat away from the Democrats and the agencies that
forced the institutions to grant sub-prime loans to those anable to
repay them.

The advisors to the President said last year that they planned to use any and every crises to further there plans to re-distribute wealth and enlarge government control over everything.

This investigation is a perfect example of that plan.