【正文】 如果沒有問題的話 ， 議案賦予國家獨立權(quán)利去解釋和執(zhí)行聯(lián)邦的標(biāo)準(zhǔn) —— 即使他們采取的解釋 不同于服務(wù)機構(gòu)。 缺乏先發(fā)機制 當(dāng)時協(xié)調(diào)已被所有利益相關(guān)者確認(rèn)為是監(jiān)管改革的目標(biāo) ， 而消費者金融保障機構(gòu)提出的觀點恰恰相反。目前尚不清楚這一進(jìn)程是否能有效即使該法案承認(rèn) ， 它可以 在 60 天 內(nèi) 解決問題，并與法定期限表明，他們是很少見了。 監(jiān)管協(xié)調(diào) 從 金融產(chǎn)品方面的監(jiān) 管金融機構(gòu)的安全和穩(wěn)健威脅消費者以及整個金融體系的穩(wěn)定 分離管理經(jīng)驗。因此，它不是從條例草案中刪去 的語言更廣泛和更模糊的標(biāo)準(zhǔn)。 根據(jù)懷疑 ， 并考慮到該機構(gòu)具有廣泛基礎(chǔ)的權(quán)威，有可能是一個相對較低的門檻，定義為 “ 偶然 ” 或活動 “ 互補性 ” （這個詞，似乎是來自銀行法，在那里能 獲得廣泛的解釋）。 修訂草案包括標(biāo)準(zhǔn)，該機構(gòu)必須滿足擴大其權(quán)力，但這些標(biāo)準(zhǔn)的實施沒有真正 的限制。但是，這里使用的概念提出，是更廣泛 ， 包括對以前不受管制的黨的機構(gòu)的規(guī)定，并服從所有的黨的集體訴訟類型的損害賠償責(zé)任。 這些實體如何才能保護(hù)自己？任何一個人的組織覆蓋在從事不法行為監(jiān)管義務(wù)，忽略模糊和不確定的標(biāo)準(zhǔn)為基礎(chǔ)。 這一規(guī)定具有極為廣泛的影響。該法案包含了新的規(guī)定，確定了 “ 有關(guān)人士 ”術(shù)語，這是適用于所有銀行控股實體公司，信用合作社，以及儲蓄機構(gòu)。 此外，即使在有限的豁免保護(hù) 下也 不包括 受現(xiàn)行金融活動 。 這種服務(wù)的定義不從該定義明確排除。 ，律師和稅務(wù)編制。這里只是其中幾個很多的例子可以舉 : 。這項法案不會集中 對中小企業(yè) 負(fù)全責(zé) ， 尤其是 主要從事金融服 務(wù)活動 的企業(yè) 。 此外 ， 這種 信貸的減少對公司的 影響 相對較小 ， 因為它會影 響個人理財產(chǎn)品 ，以補充小型商務(wù)公司通常使用的商業(yè)貸款 ， 通常這對 小、新型企業(yè) 是不可行的 。這種結(jié)果導(dǎo)致了職能的不確定性與職能混淆并且監(jiān)管體系不針對消費者需求提供任何保護(hù)措施，這對商業(yè)造成沉重負(fù)擔(dān)。 效的強制措施應(yīng)對濫用職權(quán)以及其他剝奪行徑。在金融危機的沖擊下，商會向資本市場呼吁 規(guī)章制度的改革 ，改革內(nèi)容中包括加強對消費者的保護(hù)。 is entered into or conducted as subterfuge or with a purpose to evade the provisions of the bill or existing consumer protection laws. These new standards for expanding the agency39。s authority， even with respect to activities unrelated to the covered person with which they are associated. The portion of the definition relating to independent contractors casts the even farther: Independent contractors are transformed into covered persons — and bee subject to regulations that didn39。 failure to exercise the authority— especially the enforcement authority— that they already possess. The Chamber believes that consumers need: disclosure and better vigorous， effective enforcement against predatory practices and other of regulatory gaps that allowed some financial services entities to escape. regulation applicable to their petitors. We need smarter， more effective regulation. Adding new regulatory layers and enacting expansive， and duplicative， regulatory authority will not produce that result. Rather， it is likely to lead to confusion， uncertainty， and a regulatory system that imposes heavy burdens on business without providing the protections that consumers need. On September 23， the Chamber released a study conducted by Thomas Durkin， an economist who spent more than 20 years at the Federal Reserve. Durkin concluded that regulatory burdens associated with a lack of preemption and legal uncertainties created by new， vague， and undefined statutory terms would reduce the ability of financial institutions to extend consumer credit， and would likely increase the cost of credit that is available. Moreover， this reduction in credit would impact small businesses as well， because it would affect the very consumer financial products that small businesses use to supplement business credit， which often is not available to small and new enterprises. At the very time when we need these jobcreators the most in order to restore growth to our economy， we will be hobbling their efforts by reducing their access to the credit that is essential to fuel that growth. The Chamber opposes the CFPA legislation in its current form because it believes the current bill is the wrong way to enhance consumer protection， and it will have significant and harmful unintended consequences for consumers， for the business munity， and for the overall economy. Chairman Frank39。中文 3500 字 本科畢業(yè)設(shè)計（論文） 外 文 翻 譯 原文： . Chamber of Commerce The Chamber strongly supports the Administration39。s September 22 memorandum identified a number of the specific concerns that we have expressed. However， illustrating the plexity of these issues and the need f