He tried to get major reform legislation through in 2005 - 2006; the Democrats blocked the legislation, but few know it.
Palin is getting a lower profile lately and that has hurt, as well. Obama also was a major recipient of Fannie and Freddie campaign contributions.
McCain's campaign needs to do a much better job of getting both the history of how the financial disaster occurred and how he is different out to the undecided voter.
Agree which leaves me scratching my head. I read his floor speech so why aren't we seeing a McCain ad summarizing the salient facts? Instead we see the gaul of Dodd and Schumer pointing accusative fingers at the GOP very effectively if we're to believe the polls.