【正文】 okifabigbankorfinancialinstitut ，iwenttowallstreetandcalledformonsensereformstoprotece， iproposedasetofreformstoempowerconsumersandinvestors，tobringtheshadowydealsthatcausedthiscrisisintothelightofday， ， 第 17 頁 共 27 頁 ，chairmenbarneyfrankandchrisdoddhaveworkeddayandnighttob’mprofoundlygratefultoth oexpressmyappreciationtosenatorharryreidandspeakernancyogetthere ，wehadtooverethefuriouslobbyingofanarrayofpowerfulinterestgroups ，eretoday ， bothonstageandintheaudience ，havedoneagreatserviceindevotingsomuchtimeandexpertisetooputpartisanshipaside ， judgedthisbillonthemerits ，andvotedforreform. thefactis ，thefinancialindustryiscentraltoournation’sabilitytogrow ， prosper ， pete ，thisvitalrole ，thisreformwillhelpfosterinnovation ， 第 18 頁 共 27 頁 esamesetofrules， sothatfirmspeteonpriceandquality ，ependsoncuttingcornersorbilkingyourcustomers ，youhavenothingtofearfromthisreform. now ，forallthoseamericanswhoarewonderingwhatwallstreetreformmeansforyou ，here’’veeverappliedforacreditcard ， astudentloan ， oramortgage ，youknowthefeelingofsigningyournametopagesofbarelyunderstandablefineprint. butwhatoftenhappensasaresult ，isthatmanyamericansarecaughtbyhiddenfeesandpenalties ，orsaddledwithloanstheycan’’swhathappenedtorobinfox ，hitwithamassiverateincreaseonhercreditcardbalanceeventh’s whathappenedtoandrewgiordano ， 第 19 頁 共 27 頁 whodiscoveredhundredsofdollarsinoverdraftfeesonhisbankstatement– ，withthislaw， unfairratehikes， liketheohathitrobin，’llensurethatpeoplelikeandrewaren’tunwittin glycaughtbyoverdraftfeeswhentheysignupforacheckingaccount. withthislaw ，we’llcrackdownonabusivepracticesinthemortgageindustry.we’llmakesurethatcontractsaresimpler –puttinganendtomanyhiddenpenaltiesandfeesinplexmortgages– sofolksknowwhatthey’resigning. withthislaw ，studentswhotakeoutcollegeloanswillbeprovidedclearandconciseinformationabouttheirobligations. andwiththislaw ， ordinaryinvestors–likeseniorsandfolkssavingforretirement–willbeabletoreceivemoreinformationaboutthecostsandrisksofmutualfundsandotherinvestmentproducts ，sothattheycanbettermakefinancialdecisionsthatworkforthem. alltold ， 第 20 頁 共 27 頁 thesereformsrepresentthestrongestconsumerfinancialproteconsumerwatchdogwithjustonejob ： lookingoutforpeople–notbigbanks ， notlenders ， notinvestmenthouses– ，that’snotjustgoodforconsumers。that’sgoodfortheeconomy.becausereformwillputastoptoalotofthebadloansthatfueledekcustomersbyofferingbetterproducts ，i’veoutlined ，reformwillalsoreinintheabuseandexcessthatnearlybroughtdhekindsofplex ，dshareholderswillalsohaveagreatersayonthepayofceosandotherexecutives ， ，becauseofthislaw ，theamericanpeoplewillneveragainbeaskedtofootthebillforwallstreet’ fundedba 第 21 頁 共 27 頁 l ，thisreformgivesustheabilitytowinditdownwithoutendangeriatnofirmissomehowprotectedbecauseitis“toobigtofail ， ”sothatwedon’thaveanotheraig. ’tmeanourworkisov ，tmentsalongthewayasourfinancialsystemadaptstothesechang。itisstillincumbentonthose