まず英語の原文↓↓↓ Hi, everybody. 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.
Since then, we’ve fought our way back. Our businesses have added more than 5 million new jobs. The unemployment rate has fallen to the lowest level since I took office. Home values are rising again. And our assembly lines are humming once more.
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.
Wall Street reform also created the first-ever independent consumer watchdog, whose sole job is to look out for you.
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. And it means going after anyone who tries to take advantage of you, or rip you off.
Starting this month, that includes the folks who come up with your credit score.
If you haven’t checked out your credit score recently, you should. It can have a major impact on your life. It can determine whether or not you qualify for a loan or what kind of interest you have to pay. It can even affect your chances at renting an apartment or getting a job.
But here’s the thing: the companies that put your credit score together can make mistakes. They may think you had a loan or a credit card that was never yours. They may think you were late making payments when you were on time. And when they mess up, you’re the one who suffers.
Until this week, if you had a complaint, you took it to the company. Sometimes they listened. Sometimes they didn’t. But that was pretty much it. They were your only real hope.
Not anymore. 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.
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.
And fixing your credit score isn’t the only thing they can help with.
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.
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.
Their only mission is to fight for you. And when needed, they’ll take action.
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.
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.
Unfortunately, that hasn’t been enough to stop Republicans in Congress from fighting these reforms. Backed by an army of financial industry lobbyists, they’ve been waging an all-out battle to delay, defund and dismantle these new rules.
I refuse to let that happen.
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.
But I also believe that the free market has never been about taking whatever you want, however you can get it. 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.
We’ve come too far – and sacrificed too much – to go back to an era of top-down, on-your-own economics. 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.
まず英語の原文↓↓↓ Hi, everybody. In recent weeks, you might have noticed something. Or maybe even heard the sound of it if you live close enough.
New homes are going up. In fact, construction workers are breaking ground on new homes in America at the fastest pace in more than four years.
At the same time, more homes are being sold. Home values are back on the rise. And foreclosure filings are at their lowest point in the five years since the housing bubble burst and left millions of responsible families holding the bag.
Now, we’re not where we need to be yet. Too many homes are still underwater. Too many families are still having a hard time making the mortgage on their piece of the American Dream.
But one of the heaviest drags on our recovery is getting lighter. Now we have to build on the progress we’ve made, and keep moving forward.
I never believed that the best way to deal with the housing market was to just sit back, do nothing, and simply wait for things to hit bottom. That would have been a disaster for all the responsible families who – through no fault of their own – were struggling to make ends meet.
Instead, I’ve made helping those homeowners a priority.
Since I took office, my Administration has taken action to help millions of families stay in their homes.
We teamed up with attorneys general in almost every state to investigate and crack down on the practices that caused this mess. And in the end, we secured a $25 billion settlement from the biggest banks – one of the biggest settlements in history – and used it to provide relief to families all across America.
We’ve taken action to help responsible homeowners refinance their mortgages. As a result, just this year hundreds of thousands of Americans who were stuck in high-interest loans have been able to take advantage of historically low rates and are saving thousands of dollars every year.
And now I want every homeowner in America to have that chance. I just wish it didn’t require an act of Congress. But it does. So, back in February, I sent Congress a plan to give every responsible homeowner the chance to save about $3,000 a year on their mortgage by refinancing at historically low rates. That’s the equivalent of a $3,000 tax cut.
It’s a plan that we know will work. It has the support of independent, nonpartisan economists and leaders across the housing industry. It’s a no-brainer that should have passed easily.
But Republicans in Congress banded together and kept this plan from even coming to a vote.
They banded together and prevented millions of Americans – including many of you listening today – from saving $3,000 a year. That’s money that could have gone back into the value of your home, or your kid’s college savings account. That’s money that could have gone into your local businesses, so they could hire and create more jobs in your town.
But Republicans in Congress still won’t let that happen. And that’s only held back the economy, when we should be doing everything we can to accelerate our economic engine.
Let’s be honest – Republicans in Congress won’t act on this plan before the election. But maybe they’ll come to their senses afterward if you give them a push. So contact your Representative, especially if this plan will help you or someone you know. Tell him or her that American homeowners have waited long enough. Tell them that it’s time for Congress to stop standing in the way of our recovery and to start standing up for you. Thanks and have a great weekend. （６２６語）
まず英語の原文↓↓↓ Hi, everybody. Four years after the worst economic crisis of our lifetimes, we’re seeing signs that, as a nation, we’re moving forward again.
After losing about 800,000 jobs a month when I took office, our businesses have now added 5.2 million new jobs over the past two and a half years. And on Friday, we learned that the unemployment rate is now at its lowest level since I took office. More Americans are entering the workforce. More Americans are getting jobs.
But too many of our friends and neighbors are still looking for work or struggling to pay the bills – many of them since long before this crisis hit.
We owe it to them to keep moving forward. We’ve come too far to turn back now. And we’ve made too much progress to return to the policies that got us into this mess in the first place.
For example – two years ago, we put in place tougher, commonsense rules of the road for Wall Street to make sure that the kind of crisis we’ve been fighting back from never happens again.
These rules mean that big banks are no longer going to be able to make risky bets with your deposits. And if a big bank does make a bad decision, they pay for it – not taxpayers.
And we also put in place the strongest consumer protections in our history to crack down on the worst practices of credit card companies and mortgage lenders.
But for some reason, some Republicans in Congress are still waging an all-out battle to delay, defund and dismantle these commonsense new rules.
Why? Do they think undoing rules that protect families from the worst practices of credit card companies and mortgage lenders will make the middle class stronger? Do they think getting rid of rules to prevent another crisis on Wall Street will make Main Street any safer?
Republicans in Congress need to stop trying to refight the battles of the past few years, and finally start doing something to actually help the middle class get ahead.
And here are three things they can do right now.
First, Congress needs to step up and guarantee that 98% of Americans and 97% of small business owners won’t see their taxes go up next year. This is something that everyone says they agree on. It should have gotten done months ago. But Republicans in Congress are standing in the way. They’re holding tax cuts for 98% of Americans hostage until we pass tax cuts for the wealthiest 2% of Americans. Ask them how that helps the middle class.
Second, Congress needs to step up and provide every responsible homeowner a chance to save about $3,000 a year on their mortgage by refinancing at lower rates. I gave them a plan to do that - back in February. It’s a plan that has the support of independent, nonpartisan economists and leaders across the housing industry. But Republicans won’t even let that plan come to a vote. Ask them how that helps homeowners.
Third, Congress needs to step up and pass my plan to create a veterans jobs corps to help our returning heroes find work as cops, firefighters and park rangers in communities across the country. A few weeks ago, Republicans in the Senate voted that plan down. Ask them why someone who fights for this country abroad should have to fight for a job when they come home.
Ask them to get back to work and get these things done. If we’re going to keep this economy moving forward, there’s no time for political games. Even in a political season. Everyone needs to do their part. If you agree with me, let your Representative know where you stand. Tell them that if they want your vote, then they need to stand with you and not in the way of our recovery.