Sushi Money 寿司的钱

In a long-awaited move, the Federal Reserve is setting out new consumer-friendly regulations intended to reign in credit card companies from overzealous and even unfair lending practices by financial institutions.在一个期待已久的举动，美国联邦储备委员会是订定新的消费友好的规例，打算统治在信用卡公司从过于甚至不公平的做法，贷款金融机构。

The crackdown on credit card companies is finally taking a proactive approach to protecting consumers and reversing practices that have appeared overly greedy in recent years.  I’ma strong defender of free market economics and fair business practices, but too many credit card companies have lost their way in terms of serving clients’ needs, and instead have appeared nearly predatory in their approach to credit card account management. 严厉打击信用卡公司是最后采取积极主动方式保护消费者和倒车的做法，出现了过于贪婪，近年来，我强烈捍卫自由市场经济和公平的商业做法，但太多的信用卡公司已失去方式而言，服务的客户的需求，反而出现了近掠夺他们的做法，以信用卡帐户管理。

“The proposed rules are intended to establish a new baseline for fairness in how credit card plans operate,” said Ben Bernanke, chairman of the Federal Reserve, which regulates many US banks. “拟议的规则是打算建立一个新的基准，为公平，如何信用卡计划的运作，说： ”贝南克，联邦储备局主席，规管许多美国银行。 “Consumers relying on credit cards should be better able to predict how their decisions and actions will affect their costs.” “依靠消费者对信用卡应能更好地预测他们如何决定及行动将会影响他们的成本” 。

And that’s the bottom line for many of consumers, a desire for clarity and a credit card agreement that isn’t changed at will by a company seeking higher profits.   I’ve noticed in some of my credit card statements that they are spelled-out more, and explained a little better than in years past, which is nice to see. But clarity in Disclosures Alone Won’t Solve Credit Card Issues according to Fed Chairman Ben Bernanke .这是底线，很多消费者来说，渴望的清晰度和信用卡协议，这是没有任何改变，将会由一间公司寻求更高的利润。我发现在我的一些信用卡报表，他们的拼字-更多信息，并解释略优于在过去几年里，这是尼斯看到，但清晰的披露，仅将不会解决信用卡的问题，根据美联储主席伯南克 。

“Twenty-five years ago, less than half of all American families had a general purpose credit card. “二十五年前，不到一半的所有美国家庭一般用途信用卡。 Since then, the number of consumers holding such cards and the amount of outstanding credit card debt has grown significantly.自那时以来，许多消费者持这种卡及未偿还信用卡债务已显着增长。 The development of credit scoring and implementation of risk-based pricing have made credit cards available to more people.发展信用评分和实施基于风险的定价作出了信用卡提供给更多的人。 In addition to serving as a source of needed credit, consumers benefit from the convenience credit cards offer as a payment mechanism.”此外，服务的一个来源，需要信用，为消费者带来实惠，方便的信用卡，提供作为付款机制“ 。

“The rapid growth in the use of credit cards, and a corresponding increase in the complexity of available products, has reduced the transparency of the industry, Mr. Bernanke said at an open meeting of the Fed board. “快速增长，信用卡的使用，并相应地增加的复杂性可用的产品，减少了透明度，该行业的先生，贝南克表示，在一次公开会议上的联储公开市场委员会。 For that reason, federal banking regulators need to make improvements to give consumers “greater control” over their accounts.”出于这一原因，联邦银行监管机构需要作出改善，让消费者“更大的控制权”户口“ 。

Of course the banking industry and lobbyists do not agree:当然，银行界及游说团体，不同意：

“The Federal Reserve’s proposal is an unprecedented regulatory intrusion into marketplace pricing and product offerings,” said Edward Yingling, chief executive of the American Bankers Association. “美国联邦储备委员会的建议，是一项前无古人的规管闯入市场定价和产品组合，说： ”何承天玲，行政长官的美国银行家协会。

With any new set of regulations there are some risks.  Government may overstep the bounds of balanced market dynamics and impose too many rules and binding regulations on institutions.  Those banking institutions may simply change their business practices in a negative way, avoiding regulatory issues and not making credit available to consumers as they have done in the past.与任何订定新规例也有一些风险，政府可能超越的界限，均衡的市场动态和施加太多的规则和约束力的规章的机构，这些金融机构可能根本改变他们的经营手法，在一个负面的方式，避免监管问题，而不是使信贷提供给消费者，因为他们过去所做的那样。

“Card industry representatives have been quick to warn that the passage of new legislation or additional regulation could hurt all credit card carriers.” “卡行业的代表已迅速地警告说，通过新法例或规例的额外可能会伤害所有的信用卡运营商” 。

“We are deeply concerned that these rules will result in less competition, higher consumer prices, fewer consumer choices, and reduced consumer access to credit cards,” said Yingling, the banking industry advocate. “我们深感关切的是，这些规则将导致在不到竞争，更高的消费价格，减少消费者的选择，并降低消费者获得信用卡，说： ”玲，银行界主张。 In short, everyday consumers will bear the real cost of these proposals.”在短期内，每天的消费者将承担的实际成本这些建议“ 。

“Americans with shabby credit histories, for example, may no longer have similar access to credit. “美国人与简陋的信贷史，举例来说，可能不再有类似的获得信贷的机会。 At the same time, consumers with good credit could soon find themselves facing higher interest rates.”在同一时间内，消费者与良好的信用可能很快就会发现自己面临着较高的利息“ 。

Do you agree?  I see their point, but I also think the banking industry is protecting its own at this point.  Certainly businesses are in business to make money, and they should do so as they deem appropriate….您同意吗？我看到他们的论点，但我也认为银行界是保护自己在这一点上，当然企业在业务上要赚钱，他们应该这样做，因为他们认为适当的… … 。 within the bounds of the legal and regulatory structure.  But in this case, many consumers and now politicians and leading economists believe that the financial institutions have overstepped their bounds, unfairly targeting consumers.认真遵守法律和规管架构，但在这种情况下，许多消费者和现在的政治家和领导经济学家认为，金融机构已经超越了他们的范围内，针对消费者的不公平。

We will always walk a balance between too little and too much regulatory structure in business markets.  But in this case, I personally believe it was time that government stepped in to look at consumers’ interests compared to the financial profit incentives of the banking industry.  Sometimes the balance becomes skewed, and perhaps this is a small step to swing the pendulum back toward consumers’ interests.我们将始终走之间的平衡太少，太多的规管架构在商业市场，但在这种情况下，我个人认为，这是时间，政府加强在看消费者的利益相比，财政的利润激励机制的银行界。有时平衡变得倾斜，也许这是一小步，以摆动钟摆回对消费者的权益。

Besides, with today’s lending climate during the credit crunch, banking and financial institutions have lost a lot of credibility in terms of managing risk, and consumers are paying the price for their market turmoil induced by many of these same institutions.  By saying “credit may not be available to consumers” is stretching the truth when credit is really no longer available to a certain segment of consumers anyway at this point.此外，与今天的气候贷款期间，信贷紧缩，银行和金融机构已经失去了很多的公信力而言，风险管理，和消费者付出代价，为他们的市场风暴，诱导许多这些同样的机构。说“信贷可能不向消费者提供“是伸展的真相时，信用是真的不再可用，以某一部分消费者无论如何，在这一点上。

As Congress examines the issue , time will tell how these regulations impact the banking industry overall.  Somehow I believe they’ll do just fine and find new ways to make money while lending money.作为国会审查的问题 ，时间会告诉如何将这些法规的影响，银行界的整体。某种程度上，我相信他们会做只是罚款和找到新的方法来赚钱，而贷出款项。

Depending on the rules that are adopted, credit card companies would be prohibited from: 视乎有关规则，如获通过，信用卡公司将被禁止从：

• Making deceptive offers of credit without spelling out terms and limitations;制作欺骗性的优惠信贷，没有列明的条款及限制;
• Placing unfair time constraints on payments.配售不公平的时间限制就付款。 A payment would not be deemed late unless the borrower is given a reasonable period of time, such as 21 days, to pay;付款将不会被视为逾期，除非借款人给予一段合理的时间内，如在21天内支付;
• Allocating payments unfairly among balances with different interest rates;分配不公平的支付之间的平衡与不同的利率;
• Retroactively raising interest rates on pre-existing balances when a change in credit status occurs;溯及既往，提高利率就预先存在的余额时，改变在信用状况发生;
• Assessing very high fees for exceeding credit limits solely because of a hold placed on the account;评估非常高的费用，超过信用额度上限，纯粹是因为持有放置在帐户;
• Unfairly charging consumers security deposits and fees when issuing credit or making credit available;不公平的收费，消费者的安全和存款收费时，发行的信用卡或决策提供信贷;
• Unfairly computing balances using double-cycle billing;不公平的计算结余用双循环的帐单;
• Prohibit overdraft fees because of additional “holds” when using debit card (such as when purchase gasoline).禁止透支的费用，因为额外的“搁置”时，使用借记卡（例如当购买汽油） 。

It will be interesting to see what rules are ultimately adopted and applied, and how credit card companies react.  In some cases I expect credit card accounts may be cancelled or frozen without additional steps by consumers.它将会有趣的，看看有什么规则，最终都是通过研究和应用，以及如何信用卡公司的反应。在某些情况下，我期望信用卡帐户可能会被取消或冻结没有额外的步骤，由消费者。 But the banking and financial institutions cannot lash out without consequences to their own businesses.  While they are in business to make a profit, they are also in the customer service business.  There will always be another company willing to take customers who are not happy with their current bank or lending institution.但银行和金融机构不能拉什出来的后果，以自己的企业。虽然他们在业务上赚取利润，他们还表现在客户服务的业务。都会有另一家公司愿意采取的顾客是谁不乐意与他们目前的银行或贷款机构。

Is this the long-awaited Credit Card Bill of Rights for consumers?   Not quite, and the Consumer Federation of America is calling for even greater regulation:这是期待已久的信用卡人权法案为消费者？不大，和美国消费者联合会的呼吁，甚至更大的规例：

“We commend federal regulators for taking an important first step to stop credit card companies from pumping up their profits by using hidden traps and tricks that drive up the amount of debt consumers owe,” said Travis B. Plunkett, legislative director of the Consumer Federation of America. “我们赞扬联邦监管机构采取的第一个重要步骤，以阻止信用卡公司从抽水了他们的利润由使用隐藏的陷阱，花样不断推动起来的债务金额，消费者有责任，说： ”查维斯乙宾吉，立法主任消费者协会美利坚合众国。 “We urge Congress to focus on enacting a permanent law that curbs abusive practices not addressed in this proposal.” “我们敦促国会把重点放在制定一部永久法律，限制滥用的做法不解决，这项建议” 。

If I had the ear of the card company executives, I would advise them to jump right onboard this consumer-friendly train, and even make a huge PR effort to show what they are doing to help consumers.如果我有耳朵卡公司主管，我会提醒他们的权利，跳转上，这与消费者的友好列车，甚至作出了巨大的公关努力，以显示自己在做什么，以帮助消费者。 Bottom line?  Consumers want a credit card agreement that is fair and steady, and not at risk of changing overnight by a company who can assess fees and charges at will.  Perhaps in response to increased regulation we’ll see a trend toward term limited credit cards, with fixed contracts?   Hard to say, but I don’t think those offers will stop coming in the mailbox anytime soon.底线？消费者想要一张信用卡的协议是公平和稳定，而不是在风险转变在一夜之间由一间公司谁可以评估收费将可能在反应增加的规管，我们会看到一个倾向，任期有限的信贷卡，与固定合同？难说，但我不认为这些优惠将停止未来在信箱随时很快。

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