 who needs congress anyway  during a speech delivered today in nevada president obama unveiled a new mortgage bailout program which will give underwater homeowners a chance to refinance their freddie or fanniebacked mortgages and his plan doesn t require any authorization from congress on wednesday he ll announce another plan to aid those who are paying back student loans and that won t require congressional authority either why do we have a congress anyway read more at  dailycallercom 20111024 obamaadministrationtoofferhomerefiplanregardlessof   who needs congress anyway  