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利用新《华尔街改革法》保护美国民众


来源:白宫    作者:白宫   时间:2012-10-30 20:32   点击: 次  


 


Weekly Address: Protecting the American People with New Wall Street Reforms
每周电视讲话:利用新《华尔街改革法》保护美国民众


WASHINGTON, DC— In this week’s address, President Obama highlighted the work of the new independent consumer watchdog he fought to create, which stands up for consumers and protects Americans from mistakes made by the companies who determine your credit scores.  Republicans in Congress have tried to roll back consumer protections that help prevent big banks from creating another financial crisis, but the President refuses to let that happen and will continue to fight for working Americans as we move this country forward.
华盛顿:在本周的讲话中,奥巴马总统强调他推动设立的新的独立消费者保护机构的作用,该机构代表消费者的利益,保护他们免受掌控消费者信用评分的公司所做的错误决定的侵害。尽管这一消费者保护措施可以有效避免大型银行再次制造另一场金融危机,国会的共和党人却一直反对。总统先生是不会让这样的事情发生的,他将继续为工薪阶层努力争取,并与大家一道推动国家向前发展。

Hi, everybody. It’s now been four years since a crisis that began on Wall Street spread to Main Street, hammering middle-class families and ultimately costing our economy 9 million jobs.
大家好!四年前,肇始于华尔街的危机蔓延至全社会,伤害了中产家庭,最终让我们付出了900万人失业的惨重代价。

Since then, we’ve fought our way back.  Our businesses have added more than 5 million new jobs.  The unemployment rate has fallen to the lowest level since I took office.  Home values are rising again.  And our assembly lines are humming once more.
自那时起,我们就开始了反击之路。现在,我们的企业一共新增了500万个就业岗位。失业率也降到我上任以来的最低点。房产价格又开始上扬。工厂的生产线也再次繁忙起来。


And to make sure America never goes through a crisis like that again, we passed tough new Wall Street reform to end taxpayer-funded bailouts for good.
为了确保美国不会再次陷入这样的危机,我们通过了新的更严厉的《华尔街改革法》,终结了用纳税人的钱做紧急援助基金的做法。

Wall Street reform also created the first-ever independent consumer watchdog, whose sole job is to look out for you.
华尔街改革也促成了第一个独立消费者保护机构的诞生,该机构唯一的工作就是保护广大消费者。
 

That means making sure you’ve got all the information you need to make important financial decisions like buying a home or paying for college.  And it means going after anyone who tries to take advantage of you, or rip you off.
这意味着在大家做财务决定时,该机构可以确保你们可以获得所有的必要信息,比方说买房子或支付大学学费等。而且该机构还会调查任何想要占消费者便宜或是侵害消费者权益的人。

Starting this month, that includes the folks who come up with your credit score.
从这个月开始,调查范围还新增了掌控消费者信用评分的人。

If you haven’t checked out your credit score recently, you should.  It can have a major impact on your life.  It can determine whether or not you qualify for a loan or what kind of interest you have to pay.  It can even affect your chances at renting an apartment or getting a job.
如果你近期没有检查过自己的信用评分,你还是应该看一下。这些分数将对你的生活产生重大影响。信用评分能决定你是否有资格获得贷款或你需要支付多高的贷款利率。信用评分还能影响你租公寓或找工作的机会。

But here’s the thing: the companies that put your credit score together can make mistakes.  They may think you had a loan or a credit card that was never yours.  They may think you were late making payments when you were on time.  And when they mess up, you’re the one who suffers.
但问题在于:这些掌握大家信用评分的公司可能会犯错。它们可能认定你有一笔不属于你的贷款或一张不归你的信用卡。他们可能认定你没有按时还款,而你却是按时还的。当他们把事情搞砸,受害的就是大家了。

Until this week, if you had a complaint, you took it to the company.  Sometimes they listened.  Sometimes they didn’t.  But that was pretty much it.  They were your only real hope.
直到今天,如果你有意见,你还是只能去找信用卡公司。有时候他们会采纳,有时候他们不会。而大多时候他们采取后者。有什么办法,他们是你唯一的希望。

Not anymore.  If you have a complaint about your credit score that hasn’t been properly addressed, you can go to consumerfinance.gov/complaint and let the consumer watchdog know.
信用评分被弄错了,你可以将你的意见反馈到consumerfinance.gov,让消费者保护机构为你主持公道。

Not only will they bring your complaint directly to the company in question, they’ll give you a tracking number, so you can check back and see exactly what’s being done on your behalf.
他们不仅会将你的意见直接向信用卡公司质询,还能提供给你一个追踪帐号,这样你就可以回溯查询,找到你的信用卡被用来干了什么。

And fixing your credit score isn’t the only thing they can help with.
当然,修复你的信用评分并不是他们唯一能够帮你做的事情。

If you’re opening a bank account, trying to get a student loan, or applying for a credit card and something doesn’t seem right, you can let them know and they’ll check it out.
如果你想开设一个银行账户,申请获得助学贷款,或者是申请一张信用卡,不能顺利办好的时候,你也可以告诉他们,他们会帮你确认的。

If you’re looking to buy a home, and you want to know if you’re getting a fair deal on your mortgage, you can give them a call and they’ll get you an answer.
如果你正要买房子,你想要知道你的抵押贷款是否公平合理,你也可以打电话向他们咨询,他们会给你答案。

Their only mission is to fight for you.  And when needed, they’ll take action.
他们唯一的任务就是为你们而战。只要你们需要,他们就会采取行动。

For example, alongside other regulators, they recently ordered three big credit card companies to return more than $400 million to folks who were deceived or misled into buying things they didn’t want or didn’t understand.
举个例子,最近,他们与其他监管方一起,敦促三家大型信用卡公司向消费者返还了4000万美元,因为他们欺骗或误导消费者购买了不想要或理解有误的东西。

That’s what Wall Street reform is all about – looking out for working families and making sure that everyone is playing by the same rules.
这就是华尔街改革要做的事情,保护我们的工薪家庭,并确保每个人都遵守同样的游戏规则。

Unfortunately, that hasn’t been enough to stop Republicans in Congress from fighting these reforms.  Backed by an army of financial industry lobbyists, they’ve been waging an all-out battle to delay, defund and dismantle these new rules.
I refuse to let that happen.
不幸的是,这些好处也没能阻挡住国会的共和党人阻止这项改革的行动。受大财团支持的游说大军的支持,他们开展了一场全面而旷日持久的战斗,以拖延、瓦解甚至否决这些新的措施。
但我绝不会让这种事情发生。

I believe that the free market is one of the greatest forces for progress in human history, and that the true engine of job creation in this country is the private sector, not the government.
我相信,自由市场是人类社会进步的最大推动力,一个国家促进就业最重要的引擎是私营企业而不是政府。

But I also believe that the free market has never been about taking whatever you want, however you can get it.  Alongside our innovative spirit, America only prospers when we meet certain obligations to one another, and when we all play by the same set of rules.
同时我也相信,自由市场并不意味着你可以为所欲为,想干什么干什么,想怎么干怎么干。有了我们的创新精神,我们彼此还要尽到自己的责任,遵从同样的游戏规则,这样美国才能繁荣昌盛。

We’ve come too far – and sacrificed too much – to go back to an era of top-down, on-your-own economics.  And as long as I’m President, we’re going to keep moving this country forward so that everyone – whether you start a business or punch a clock – can have confidence that if you work hard, you can get ahead.
我们再也不要回到自上而下、自给自足的经济时代,因为我们为了摆脱这种模式牺牲了太多。只要我担任总统,我们就将继续推动国家向前发展,保证每个人,无论你是开公司的还是按时上下班的,都拥有一份自信,只要努力付出就会取得成功的自信。

Thanks and have a great weekend.
谢谢,周末愉快!
 
MP3:http://www.whitehouse.gov/WeeklyAddress/2012/102712-ZXSRDC/102712_WeeklyAddress.mp3


 


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