Hi, everybody.
嗨，各位好。
It's now been four years since a crisis that began on Wall Street spread to Main Street, hammering middle-class families and ultimately costing our economy 9 million jobs.
4年前华尔街的危机蔓延至全社会，殃及中产阶级家庭并最终造成了我们900万人失业的惨重代价。
Since then, we've fought our way back.
自那时起，我们就走上了绝地大反击之路。
Our businesses have added more than 5 million new jobs.
而现在，我们的企业一共新增了超过500多万个就业岗位。
The unemployment rate has fallen to the lowest level since I took office.
失业率也降到自我上任以来的最低点。
Home values are rising again.
房地产价格走势也开始逐渐回暖。
And our assembly lines are humming once more.
工厂的生产线也再次忙碌起来。
And to make sure America never goes through a crisis like that again, we passed tough new Wall Street reform to end taxpayer-funded bailouts for good.
而为了确保美国不会再次陷入这样的危机，我们通过了新的华尔街改革法案以终结将纳税人的钱用于紧急援助基金的做法。
Wall Street reform also created the first-ever independent consumer watchdog, whose sole job is to look out for you.
华尔街改革也使第一个独立消费者保护机构应运而生，这一机构唯一的使命就是保护你们。
That means making sure you've got all the information you need to make important financial decisions like buying a home or paying for college.
这意味着在大家做重大财务决策，比如说买房子或支付大学学费等时，通过该机构你们可以获得所有信息。
And it means going after anyone who tries to take advantage of you, or rip you off.
而且任何想要占你们便宜或是侵害你们权益的人，这一机构也绝不会姑息。
Starting this month, that includes the folks who come up with your credit score.
从这个月开始，还会涉及掌控你们信用评级的那些人。
If you haven't checked out your credit score recently, you should.
如果你近期没有看过自己的信用等级，你应该去看看。
It can have a major impact on your life.
它将对你的生活产生重大影响。
It can determine whether or not you qualify for a loan or what kind of interest you have to pay.
它能决定你是否有资格获得贷款或你需要支付何种贷款利率。
It can even affect your chances at renting an apartment or getting a job.
它还能影响你租赁公寓或找工作的机会。
But here's the thing: the companies that put your credit score together can make mistakes.
但问题就在这里：这些掌握大家信用等级的公司可能会出现错误。
They may think you had a loan or a credit card that was never yours.
它们可能认定你有一笔不是你的贷款或一张根本不属于你的信用卡。
They may think you were late making payments when you were on time.
他们可能认为你没有按时还贷，而你却是如时偿还。
And when they mess up, you're the one who suffers.
当他们把事情搞砸的时候，受害者往往就是你们大家。
Until this week, if you had a complaint, you took it to the company.
直到这周，如果你有任何不满，你还是只能去信用卡公司。
Sometimes they listened. Sometimes they didn't.
有时候他们会听取你的意见，而有时候他们不会。
But that was pretty much it.
而大多时候他们往往采取后者。
They were your only real hope.
他们是你唯一的希望。
Not anymore.
再也不会这样了。
If you have a complaint about your credit score that hasn't been properly addressed, you can go to consumerfinance.gov/complaint and let the consumer watchdog know.
如果你抱怨自己的信用等级有问题，你可以将你的意见反馈到consumerfinance.gov，消费者保护机构知晓后就会为你主持公道。
Not only will they bring your complaint directly to the company in question, they'll give you a tracking number, so you can check back and see exactly what's being done on your behalf.
他们不仅会将你的意见直接反馈到信用卡公司提出质疑，还能提供给你一个查询号码，这样你就可以回溯查询，看看你的信用等级到底被用来干了什么。
And fixing your credit score isn't the only thing they can help with.
当然，维护你的等级并不是他们唯一能做的事情。
If you're opening a bank account, trying to get a student loan, or applying for a credit card and something doesn't seem right, you can let them know and they'll check it out.
如果你在开设银行账户，试着申请学生贷款，抑或是申请一张信用卡，种种以上都不顺利的时候，你都可以告诉他们，他们会帮你的忙。
If you're looking to buy a home, and you want to know if you're getting a fair deal on your mortgage, you can give them a call and they'll get you an answer.
如果你正面临购房问题，而你想要知道你的抵押贷款是否理想，你也可以打电话进行咨询，他们会给你答案。
Their only mission is to fight for you.
他们唯一的使命就是为你们而存在。
And when needed, they'll take action.
而且使命必达。
For example, alongside other regulators, they recently ordered three big credit card companies to return more than $400 million to folks who were deceived or misled into buying things they didn't want or didn't understand.
我们以实例为证，最近，他们与其他监管者一起，命令三家大型信用卡公司向因受欺骗或误导而购买了不想要或理解有误的东西的消费者返还4000万美元。
That's what Wall Street reform is all about—looking out for working families and making sure that everyone is playing by the same rules.
这就是华尔街改革法案的职责所在，保护我们的工薪家庭，确保每个人都遵守同样的规则。
Unfortunately, that hasn't been enough to stop Republicans in Congress from fighting these reforms.
但不幸的是，这些也没能阻挡住国会的共和党人阻止这项改革法案的实施。
Backed by an army of financial industry lobbyists, they've been waging an all-out battle to delay, defund and dismantle these new rules.
受大财团支持的游说者们开展了一场全面而持久的战斗来拖延、瓦解甚至否决这些新的措施。
I refuse to let that happen.
但我绝不允许这种事情发生。
I believe that the free market is one of the greatest forces for progress in human history, and that the true engine of job creation in this country is the private sector, not the government.
我相信，自由市场是人类社会进步的最大动力之一，一个国家促进就业最重要的真正引擎是私营企业而不是政府。
But I also believe that the free market has never been about taking whatever you want, however you can get it.
但我相信，自由市场从来就不是你可以为所欲为，任意妄为之地。
Alongside our innovative spirit, America only prospers when we meet certain obligations to one another, and when we all play by the same set of rules.
只要我们拥有创新精神，彼此互相尽到责任，并遵从同样的规则，美国才会因此繁荣。
We've come too far—and sacrificed too much—to go back to an era of top-down, on-your-own economics.
我们再也不要回到自上而下、自给自足的经济时代，因为我们为了摆脱它已经牺牲了太多。
And as long as I'm President, we're going to keep moving this country forward so that everyone—whether you start a business or punch a clock—can have confidence that if you work hard, you can get ahead.
只要我还担任总统，我就将继续推动国家的发展，让每个人，无论你是经营着一家企业还是每天准时打卡上下班，都会拥有只要努力付出就会取得成功的信念。
Thanks and have a great weekend.
谢谢大家，祝你们周末愉快！
