FDR's hands were tied, the mood in the country was solidly isolationist. Listen to FDR's "Arsenal of Democracy" speech in December of 1940, he was literally begging for us to get into the war, and frankly I think FDR was hoping that the Axis would declare war on the US, and get it over with.
yes - he was bound by neutrality act - and unable to change the mood of the country. i don’t know about your presumption - he could have done much much more, especially to help the Jews.