美国商会【外文翻译】

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1、本科毕业设计（论文）外文翻译原文：U.S.ChamberofCommerceTheChamberstronglysupportstheAdministration'sgoalofenhancingconsumerprotection.Evenbeforethefinancialcrisishit，theChamber'sCenterforCapitalMarketsCompetitivenesscalledforregulatoryreform，includingstrengtheningconsumerprotections.Thecrisish

2、asclearlyilluminatedtheshortcomingsofouroutdatedregulatorysystem.Millionsofconsumersandinvestorswereharmed，inpartbecauseofregulatorygapsbutjustasmuchorevenmorebecauseofregulators'failuretoexercisetheauthority—especiallytheenforcementauthority—thattheyalreadypossess.TheChamberb

3、elievesthatconsumersneed:1.Clearerdisclosureandbetterinformation.2.Morevigorous，effectiveenforcementagainstpredatorypracticesandotherabuses.3.Eliminationofregulatorygapsthatallowedsomefinancialservicesentitiestoescape.regulationapplicabletotheircompetitors.Weneedsmarter，moreef

4、fectiveregulation.Addingnewregulatorylayersandenactingexpansive，andduplicative，regulatoryauthoritywillnotproducethatresult.Rather，itislikelytoleadtoconfusion，uncertainty，andaregulatorysystemthatimposesheavyburdensonbusinesswithoutprovidingtheprotectionsthatconsumersneed.OnSept

5、ember23，theChamberreleasedastudyconductedbyThomasDurkin，aneconomistwhospentmorethan20yearsattheFederalReserve.Durkinconcludedthatregulatoryburdensassociatedwithalackofpreemptionandlegaluncertaintiescreatedbynew，vague，andundefinedstatutorytermswouldreducetheabilityoffinancialin

6、stitutionstoextendconsumercredit，andwouldlikelyincreasethecostofcreditthatisavailable.Moreover，thisreductionincreditwouldimpactsmallbusinessesaswell，becauseitwouldaffecttheveryconsumerfinancialproductsthatsmallbusinessesusetosupplementbusinesscredit，whichoftenisnotavailabletos

7、mallandnewenterprises.Attheverytimewhenweneedthesejob-creatorsthemostinordertorestoregrowthtooureconomy，wewillbehobblingtheireffortsbyreducingtheiraccesstothecreditthatisessentialtofuelthatgrowth.TheChamberopposestheCFPAlegislationinitscurrentformbecauseitbelievesthecurrentbil

8、listhewrongwaytoenhanceconsumerprotection，anditwillhavesignif