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本科毕业设计（论文）外文翻译原文：U.S.ChamberofCommerceTheChamberstronglysupportstheAdministration'sgoalofenhancingconsumerprotection.Evenbeforethefinancialcrisishit，theChamber'sCenterforCapitalMarketsCompetitivenesscalledforregulatoryreform，includingstrengtheningconsumerprotections.Thecrisishasclearlyilluminatedtheshortcomingsofouroutdatedregulatorysystem.Millionsofconsumersandinvestorswereharmed，inpartbecauseofregulatorygapsbutjustasmuchorevenmorebecauseofregulators'failuretoexercisetheauthority—especiallytheenforcementauthority—thattheyalreadypossess.TheChamberbelievesthatconsumersneed:1.Clearerdisclosureandbetterinformation.2.Morevigorous，effectiveenforcementagainstpredatorypracticesandotherabuses.3.Eliminationofregulatorygapsthatallowedsomefinancialservicesentitiestoescape.regulationapplicabletotheircompetitors.Weneedsmarter，moreeffectiveregulation.Addingnewregulatorylayersandenactingexpansive，andduplicative，regulatoryauthoritywillnotproducethatresult.Rather，itislikelytoleadtoconfusion，uncertainty，andaregulatorysystemthatimposesheavyburdensonbusinesswithoutprovidingtheprotectionsthatconsumersneed.OnSeptember23，theChamberreleasedastudyconductedbyThomasDurkin，aneconomistwhospentmorethan20yearsattheFederalReserve.Durkinconcludedthatregulatoryburdensassociatedwithalackofpreemptionandlegaluncertaintiescreatedbynew，vague，andundefinedstatutorytermswouldreducetheabilityoffinancialinstitutionstoextendconsumercredit，andwouldlikelyincreasethecostofcreditthatisavailable.Moreover，thisreductionincreditwouldimpactsmallbusinessesaswell，becauseitwouldaffecttheveryconsumerfinancialproductsthatsmallbusinessesusetosupplementbusinesscredit，whichoftenisnotavailabletosmallandnewenterprises.Attheverytimewhenweneedthesejob-creatorsthemostinordertorestoregrowthtooureconomy，wewillbehobblingtheireffortsbyreducingtheiraccesstothecreditthatisessentialtofuelthatgrowth.TheChamberopposestheCFPAlegislationinitscurrentformbecauseitbelievesthecurrentbillisthewrongwaytoenhanceconsumerprotection，anditwillh
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