The Bush Administration gets credit for four of those months, as well as the creation of the program in the first place. Personally I’m glad Obama has hesitated to jump into this, since so many horrible ideas for it were thrown around.
On the other hand, he deserves the “Epic FAIL” for plenty of other reasons.
I would have physically thrown Paulson out of office while firing him. That being said. Obama voted for and championed the bail out and TARP while in the Senate.