VOA慢速英语:President Appoints Consumer Agency Chief

This week, President Obama appointed Richard Cordray as director of the Consumer Financial Protection Bureau. The new government agency says it has already made home loans and credit card agreements easier for Americans to understand. But the Obama administration said the bureau cannot supervise financial products like home loans without a director.
这一周，奥巴马总统任命Richard Cordray为消费者金融保护局局长。该新政府机构称其已经让住房贷款和信用卡的协议更容易为美国人所理解。但是，奥巴马政府表示，该局在没有一个主管的情况下，无法对如房贷此类的金融产品实施监管。

The president used a measure known as a recess appointment to fill the position. He nominated Mr. Cordray last July. But the opposition Republican Party blocked a vote in the full Senate.
奥巴马总统使用了一个被称为休会任命的方法来填补该职位的空缺。奥巴马在去年7月提名了Cordray先生。但是遭到在野的共和党在参议员全体会议表决的阻碍。
注：休会任命是指参议院休会期间，总统可以单独任命。

Mr. Obama announced the appointment Wednesday during a visit to Ohio. It was his first political campaign trip of the year. He told the crowd that the severe economic crisis three years ago did not happen because of too many financial rules.
奥巴马于周三访问俄亥俄州时宣布了此次任命。这是他今年首次政治运动之旅。他告诉民众，因为有许多金融规定，三年前严重的经济危机没有发生。

BARRACK OBAMA: "That makes no sense. Does anyone think the reason why we got into such a financial mess, the worst financial crisis since the great depression, the worst economic crisis in a generation, that the reason was because of too much oversight of the financial industry? Of course not. We shouldn't be weakening oversight, we shouldn't be weakening accountability, we should be strengthening it!"
奥巴马：“这是没有意义的，有人思考过我们陷入金融危机的原因吗?大萧条以来最严重的金融危机，一代人最严重的经济危机，是因为对金融业太多的监督？当然不是，我们不应该减弱监督力度，我们不应该削弱问责制，我们应该加强它们！”

Senate Minority Leader Mitch McConnell criticized the president’s appointment. Many Republicans oppose the new agency, saying its goals are not clear. They also want a group of people to lead the agency instead of a single director.
参议院少数派领袖Mitch McConnell批评总统的任命。许多共和党人反对该新机构，称其目标不明确。他们同时希望由一个小组的人共同管理，而不是单一一个主管。

The Consumer Financial Protection Bureau resulted from the Dodd-Frank Wall Street Reform and Consumer Protection Act of twenty ten. Its goal is to make the market for financial products safer. Educating Americans about investment and loan products, enforcing financial laws and studying financial information all are part of its duties. The agency’s budget is expected to be around five hundred million dollars.
消费者金融保护局来源于2010年的美国金融监管改革法案。其目标时使市场中的金融产品更为安全。就投资和贷款产品对美国人进行培训，执行金融法规和研究财务信息都是其职责的一部分。该机构财政预算预计约为5亿美元。

Richard Cordray served as Ohio’s Attorney General for two years. He has earned praise for bringing legal action against banks and financial companies accused of harming homeowners and borrowers. Mr. Condray launched cases against Bank of America and insurer AIG. His recess appointment is effective only until the end of the Senate’s current term.
Richard Cordray担任了两年俄亥俄州总检察长。他对被指控损害房主与借款人利益的银行和金融公司采取了法律行动，并赢得好评。Condray先生针对美国银行和AIG保险公司发起过诉讼。他的休会任命在本届参议院任期结束前是有效的。