虽然新法案尚未签署成为法律，但抵押贷款发放机构已经在加强对贷款申请人偿债能力的审核。

Even before the legislation is signed into law, mortgage lenders are paying more attention to the ability of loan applicants to repay their loans.

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像花旗集团(Citigroup Inc.)等大型信用卡发放机构现在提高了信用卡申请人的信用纪录要求。

Large credit-card issuers such as Citigroup Inc. are requiring higher credit scores for people wanting cards.

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委托金融机构发放贷款，以受托发放贷款的金融机构为扣缴义务人。

For financial institutions entrusted to grant loans, the entrusted financial institutions shall be the withholding agents.

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But the FSLIC wasn't; it was sleeping at the switch, so it allowed banks in the United States -it was primarily Savings and Loans who did this -to make bad loans and they were playing this moral hazard game.

但是FSLIC没有如此,制度变换初期他们对一切放任不管,于是这让美国的银行...,主要指的是那些储蓄贷款机构...,发放不良贷款,他们开始参与这项充满道德风险的游戏

耶鲁公开课 - 金融市场课程节选