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1、本科畢業(yè)設(shè)計(jì)（論文）外文翻譯原文：原文：U.S.ChamberofCommerceTheChamberstronglysupptstheAdministrationsgoalofenhancingconsumerprotection.Evenbefethefinancialcrisishit，theChambersCenterfCapitalMarketsCompetitivenesscalledfregulatyrefm，includ

2、ingstrengtheningconsumerprotections.Thecrisishasclearlyilluminatedtheshtcomingsofouroutdatedregulatysystem.Millionsofconsumersinvestswereharmed，inpartbecauseofregulatygapsbutjustasmuchevenmebecauseofregulatsfailuretoexer

3、cisetheauthity—especiallytheenfcementauthity—thattheyalreadypossess.TheChamberbelievesthatconsumersneed:1.Clearerdisclosurebetterinfmation.2.Mevigous，effectiveenfcementagainstpredatypracticesotherabuses.3.Eliminationofre

4、gulatygapsthatallowedsomefinancialservicesentitiestoescape.regulationapplicabletotheircompetits.Weneedsmarter，meeffectiveregulation.Addingnewregulatylayersenactingexpansive，duplicative，regulatyauthitywillnotproducethatre

5、sult.Rather，itislikelytoleadtoconfusion，uncertainty，aregulatysystemthatimposesheavyburdensonbusinesswithoutprovidingtheprotectionsthatconsumersneed.OnSeptember23，theChamberreleasedastudyconductedbyThomasDurkin，aneconomis

6、twhospentmethan20yearsattheFederalReserve.Durkinconcludedthatregulatyburdensassociatedwithalackofpreemptionlegaluncertaintiescreatedbynew，vague，undefinedstatutytermswouldreducetheabilityoffinancialinstitutionstoextendcon

7、sumercredit，wouldlikelyincreasethecostofcreditthatisavailable.Meover，thisreductionincreditwouldimpactsmallbusinessesaswell，creditbythecreditcardwk)providingamaterialservicetothecreditcardwk.Inaddition，althoughbusinessest

8、hatsellstedvaluecardsarenowexempt，businessesthatissuestedvaluecards—thatmerelyallowtheirnamestrademarkstobeusedonstedvaluecards—remainsubjecttoregulationasa“coveredperson.“Accountants，Lawyers，TaxPreparers.Section124(e)ex

9、emptsaccountants，lawyers，taxpreparers，butprovidesthattheexemption“shallnotapply...totheextentsuchpersonis“engagedina“financialactivity“isotherwisesubjecttotheexistingfederalconsumerlaws.Thatmeansthatanyactivitybyanaccoun

10、tantlawyerthatfallswithinthebroad“financialactivity“definition—provisionoftaxplanningadviceinconnectionwithestateplanning，fexample—anyactivitythattheagencyclassifiesasafinancialactivityunderitsrulemakingauthitywouldtrigg

11、ertheapplicabilityofthestatute.Meover，althoughtaxpreparationservicesarenolongerexpresslyincludedinthedefinitionof“actingasafinancialadvis“(Section101(18)(H))，suchservicesarenotexpresslyexcludedfromthatdefinition.Accdingl

12、y，thereisarisktheagencycouldsimplyinterpretthebroadlanguageofthedefinition(“providingfinancialotherrelatedadvisyservices“)toincludetaxpreparation.RealEstateBrokersAutoDealers.Theexemptionsfrealestatebrokersautodealerssuf

13、ferfromthesameflawastheonefaccountants，lawyers，taxpreparers:TheydonotapplyifthepersonisengagedinafinancialactivityotherwisesubjecttotheexistingFederalconsumerlaws.Inaddition，eventhelimitedprotectionprovidedbytheexemption

14、sfailstoencompassactivitiesinwhichtheseindividualsroutinelyengage.Thus，the“realestatebroker“exemptiondoesnotincludenegotiationsrelatingtofinancing，theautodealerexemptiondoesnotapplytoleasetransactionsexcludesactivitiesre

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