美国总统奥巴马每周电台演讲2013.07.21

Hi, everybody. Three years ago this weekend, we put in place tough new rules of the road for the financial sector so that irresponsible behavior on the part of the few could never again cause a crisis that harms millions of middle-class families.

大家好。三年前的这个周末，我推出了严厉的规则规范金融板块，以便使这个领域少数人的不负责任行为不会再次带来损害成千上万中产阶级的危机。

As part of that reform, we set up the Consumer Financial Protection Bureau, the first-ever independent consumer watchdog with one job: to protect families from that sort of behavior.

作为这个改革的一部分，我设立了消费者金融保护局，有史以来第一个独立的消费者看门狗，它的唯一工作就是：保护各个家庭不受这样的行为损害。

Two years ago, I nominated a man named Rich Cordray, a former attorney general from Ohio, to run this consumer protection bureau. But Republicans in the Senate refused to give him a simple up-or-down vote, not because they didn’t think he was the right person for the job, but because they didn’t like the law that set up the consumer watchdog in the first place.

两年前，我提名Rich Cordray，前俄亥俄州大法官领导消费者保护局。但是参议院的共和党人拒绝给他简单“是-否”投票，不是因为他们认为他不是这个位子的合适人选，而是因为他们不喜欢在第一现场设立消费者看门狗。

So last year, I acted on my own to put him in charge – because without a director, the CFPB couldn’t use all the tools at its disposal to protect consumers from shady mortgage lenders, or unscrupulous credit reporting agencies, or predatory lenders who targeted veterans and seniors. And I’m pleased to say that he was finally confirmed this week by a bipartisan vote.

所以去年，我单独行动让他担当此任—因为没有领导，消费者金融保护局无法全力保护消费者不受针对退伍军人和老人的阴险的抵押放贷人或草率的信誉评级机构或掠夺性放贷人的损害。我很高兴地说他最终将在本周由两党投票确认领导岗位。

Because of the work that’s been done at the CFPB over the past two years, today, mortgage lenders, student lenders, payday lenders, and credit reporting and debt collection agencies all face greater scrutiny. And if they don’t play by the rules, you now have somewhere to go to get some measure of justice. In fact, the CFPB has already addressed more than 175,000 complaints from every state.

由于过去两年消费者金融保护局的工作，抵押贷款放贷人、学生贷款放贷人、发薪日贷款放贷人、信誉评级机构和讨债机构都面临更加严格的审查。如果他们不遵守规则，你现在有地方去讨回公道了。事实上，消费者金融保护机构处理了全国各州超过175，000件投诉。

Today, as part of the CFPB’s“Know Before You Owe”efforts, students and their parents can get a simple report with the information they need to make informed decisions before taking out student loans – and more than 700 colleges have stepped up to make this information clear and transparent. And if you’ve noticed that some credit card forms are actually easier to understand than they used to be, that’s because of the work that Rich’s team and others in the Administration have done.

今天，作为消费者金融保护局任务的一部分的“事先知情”努力，学生们和他们的家长们可以得到他们要做出知情决定需要的信息的简单易懂的材料，然后在借学生贷款—超过700所大学采取措施使之清晰透明。如果你已经感到有些信用卡的表格比过去确实容易懂了，那就是因为Rich的团队和政府其它部门工作的结果。

Today, veterans have the tools they need to defend against dishonest lenders and mortgage brokers who try to prey on them when they come home. Seniors are better protected from someone who sees their homes or retirement savings as an easy target. And thanks to the hard work of folks at the CFPB, so far six million Americans have gotten more than $400 million in refunds from companies that engaged in unscrupulous practices. That’s money we didn’t have the power to recover before.

今天，退伍军人们有了防卫在他们退伍后觊觎他们的不诚信贷款人和抵押贷款经纪人的利器。老人们可以更好地防止被一些人当做鱼腩盯上他们的房子和退休金。多亏了消费者金融保护局的伙计们的工作，迄今为止已经有六百万美国人得到了超过4亿美元的来自行为草率的公司的返款。这些钱我们过去是无力要回的。

You know, we’ve come a long way over the past four and a half years. Our economy’s growing. Our businesses have created 7.2 million new jobs in the past 40 months. We’ve locked in new safeguards to protect against another crisis and end bailouts for good. And even though more work remains, our financial system is more fair and much more sound than it was.

众所周知，我们在过去的四年半里走了很多弯路。我们的经济在增长。我们的企业在过去的40个月里创造了7百20万个新就业机会。我们已经有新的保镖防止其它危机和结束政府救助（经营不良单位）。尽管还有很多工作要做，我们的金融体系比过去更加公平和健全了。

We’ve still got a long way to go to restore the sense of security that too many middle-class families are still fighting to rebuild. But if we keep moving forward with our eyes fixed on that North Star of a growing middle class, then I’m confident we’ll get to where we need to go.

恢复那么多中产阶级家庭一直为之奋斗的安全感，我们还有很长的路要走。但是如果我们找准成长的中产阶级的目标坚持不懈，我坚信我们一定达到我们的目的地。

Thanks, and have a great weekend.

谢谢，周末快乐。