The Securities and Exchange Commission today charged Goldman Sachs with fraud, dropping its first civil suit against investors following the fallout of the housing market. Goldman stock dropped more than 14 percent in morning trading.

In Goldman Sachs' eight-page annual shareholder letter, the Wall Street bank sought to reassure shareholders it's been acting in the best interest of its clients. Even when it was trading for itself. Jeremy Hobson reports.

Goldman Sachs released its annual shareholder letter detailing what happened in 2009, and it's the longest letter to date. Marketplace's Amy Scott tells Bill Radke why the word "client" was used 56 times.