Why do liberals blame Bush for the credit crisis and the housing bubble rather than Congress?

The Community Reinvestment Act by Clinton and the 103rd democrat controlled Congress in 1994 were responsible for starting the credit and housing crisis but why do liberals blame Bush for the recession? Bush went to the 108th and 109th republican controlled Congress and the 110th democrat controlled Congress urging for reform but was denied every time. He actually went to Congress over a dozen times during his presidency and every time they refused, specifically Dodd and Frank said everything was fine, so we trusted them and look where we are...in the midst of a recession, no help from Obama's "recovery", and the "fix" is to give the debt to the taxpayers to deal with it. What's even worse is that regulators and bankers agree that the Dodd-Frank Act won't even prevent another collapse. If republicans can accept the fact that a republican controlled 108th and 109th sessions of Congress didn't do anything, why can't Obama, the democrats, and their voting base accept the fact that Bush didn't cause the recession and that they didn't do anything to prevent it either after they took back control in 2007? Heck, the democrats have yet to pass a budget...how are they going to get us out of this mess?