最大的反对声音是针对成立一个消费者权益保护的机构。该机构将制定和执行抵押贷款，信用卡等规章制度。

The loudest opposition has been reserved for a proposed consumer-protection agency, which would write and enforce rules for mortgages, credit CARDS and so forth.

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消费者被信用缺乏所重击，部分原因是作为贷款抵押保证的房地产价格大幅下降了。

Consumers are hardest hit by the dearth of credit partly because the value of the homes used as security for loans has plummeted.

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美国多家大银行昨日报告，其信用卡、抵押贷款和其它类型贷款的亏损程度正在减轻，这为美国消费者正在走出衰退提供了证据。

Leading Banks yesterday provided evidence that the US consumer recession is abating, reporting that losses on credit CARDS, mortgages and other loans are starting to moderate.

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