在经济繁荣期，从信用卡接近透支极限的消费者到借债更多的金融公司，整个富裕国家里债务增加，削减债务现在尚处于开头阶段。

Debt rose across the rich world during the boom, from consumers maxing out credit CARDS to financial firms taking on more leverage, and the process of reducing it is still at a very early stage.

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该法案拟设立一个新的消费者金融保护机构，加强对投资者的保护，让股东投票决定公司高管的酬薪。

That bill would create a new consumer financial protection agency. It would also increase investor protections and let shareholders vote on the pay of top company officials.

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消费者和金融公司积累了大量低息贷款。

Consumers and financial firms got sky high on cheap debt.

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