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2021-12-01

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White House Considering Richard Cordray as Top Fed Banking Regulator<blockquote>白宫考虑理查德·科德雷担任美联储最高银行业监管机构</blockquote>

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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":603978616,"tweetId":"603978616","gmtCreate":1638359680440,"gmtModify":1638359680898,"author":{"id":4087711536073680,"idStr":"4087711536073680","authorId":4087711536073680,"authorIdStr":"4087711536073680","name":"ShieYing","avatar":"https://static.tigerbbs.com/77886d00fd169f3ac02d1ba4a9606206","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":27,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body>Pls like</body></html>","htmlText":"<html><head></head><body>Pls like</body></html>","text":"Pls like","highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":2,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/603978616","repostId":1174941744,"repostType":4,"repost":{"id":"1174941744","kind":"news","pubTimestamp":1638359152,"share":"https://www.laohu8.com/m/news/1174941744?lang=zh_CN&edition=full","pubTime":"2021-12-01 19:45","market":"us","language":"en","title":"White House Considering Richard Cordray as Top Fed Banking Regulator<blockquote>白宫考虑理查德·科德雷担任美联储最高银行业监管机构</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1174941744","media":"The Wall Street Journal","summary":"Ohio attorney served as Consumer Financial Protection Bureau’s first confirmed director\nAt the Consu","content":"Ohio attorney served as Consumer Financial Protection Bureau’s first confirmed director<blockquote>俄亥俄州律师担任消费者金融保护局首位确认局长</blockquote> <img src=\"https://static.tigerbbs.com/49cf36a8bb7a4d2c1f1ae35f1fc24d1b\" tg-width=\"1290\" tg-height=\"860\" width=\"100%\" height=\"auto\">At the Consumer Financial Protection Bureau, Richard Cordray brought changes to consumer finance, a sector that had previously escaped federal regulatory scrutiny.<blockquote>在消费者金融保护局，理查德·科德雷 (Richard Cordray) 为消费者金融带来了变革，该行业此前一直逃避联邦监管审查。</blockquote> President Biden is considering Richard Cordray, the first director of the Consumer Financial Protection Bureau, to serve as the Federal Reserve’s top banking regulator, according to people familiar with the matter.<blockquote>据知情人士透露，拜登总统正在考虑任命消费者金融保护局首任局长理查德-科德雷（Richard Cordray）担任美联储最高银行业监管机构。</blockquote> If nominated and confirmed by the Senate, Mr. Cordray would become the government’s most influential overseer of the U.S. banking system, succeeding Randal Quarles as the Fed’s vice chairman of banking supervision.<blockquote>如果获得参议院提名并确认，科德雷先生将成为美国政府对美国银行系统最有影响力的监督者，接替兰德尔-夸尔斯（Randal Quarles）担任美联储银行监管副主席。</blockquote> Mr. Cordray, an attorney,served as head of the CFPB from 2012 to 2017, a watchdog Congress created after the 2008 financial crisis to regulate lenders and other companies tied to consumer finance. He is currently a top official at the Education Department,serving as the chief operating officer of Federal Student Aid, overseeing the $1.6 trillion student-loan program.<blockquote>Cordray 先生是一名律师，于 2012 年至 2017 年担任 CFPB 负责人，CFPB 是 2008 年金融危机后成立的监管机构国会，旨在监管贷款机构和其他与消费金融相关的公司。他目前是教育部的高级官员，担任联邦学生援助组织的首席运营官，监管1.6万亿美元的学生贷款计划。</blockquote> Mr. Cordray declined to comment. The White House said last week it would announce additional Fed appointments beginning in early December.<blockquote>科德雷拒绝置评。白宫上周表示，将从 12 月初开始宣布更多美联储任命。</blockquote> Senate Banking Committee Chairman Sherrod Brown (D., Ohio) said Tuesday that Mr. Cordray was one of several candidates under consideration. “I’m talking to the White House about him and a number of other people,” he said.<blockquote>参议院银行委员会主席谢罗德·布朗（俄亥俄州民主党人）周二表示，科德雷是正在考虑的几位候选人之一。“他说：”我正在和白宫谈论他和其他一些人的事情。</blockquote> At the CFPB, Mr. Cordray brought significant changes to consumer finance, a corner of the financial industry that had previously escaped regulatory scrutiny. The agency tightened underwriting standards for mortgages, required more disclosure on credit-card rates and fees, and introduced federal oversight to payday lending.<blockquote>在 CFPB，科德雷先生给消费金融带来了重大变革，消费金融是金融行业的一个角落，此前一直逃避监管审查。该机构收紧了抵押贷款的承保标准，要求更多地披露信用卡利率和费用，并对发薪日贷款引入了联邦监管。</blockquote> Mr. Cordray’s nomination for the Fed post could hearten progressive Democrats who have called for the central bank to take a tougher approach to regulating big banks and addressing financial risks posed by climate change. Sen. Elizabeth Warren (D., Mass.) has privately pushed senior White House officials to consider Mr. Cordray for the role, one of the people familiar with the matter said. A spokeswoman for Ms. Warren declined to comment.<blockquote>科德雷先生被提名担任美联储主席可能会让进步民主党人感到欣慰，他们呼吁央行采取更强硬的方法来监管大银行，并应对气候变化带来的金融风险。一位知情人士说，马萨诸塞州民主党参议员伊丽莎白·沃伦私下推动白宫高级官员考虑让科德雷担任这一职务。沃伦女士的发言人拒绝置评。</blockquote> Without citing a specific candidate, Ms. Warren said Monday that the Fed job should go to “someone who has the insight to recognize how important regulation is to the effective functioning of the financial markets and has the courage to follow through on that insight.”<blockquote>沃伦女士周一表示，美联储的工作应该交给 “有洞察力认识到监管对金融市场有效运作的重要性，并有勇气贯彻这一洞察力的人”，但没有提及具体的候选人。</blockquote> Mr. Cordray&nbsp;won Senate confirmation on a 66-34 vote&nbsp;in 2013 for a five-year term as the CFPB’s head, following a lengthy delay. He received backing from 12 Republicans, including five who remain in the Senate. Before the vote, he had been serving as CFPB director for over a year through a recess appointment.<blockquote>2013 年，科德雷先生以 66 票对 34 票的投票结果赢得了参议院的确认，担任 CFPB 负责人，任期五年。他得到了12名共和党人的支持，其中包括5名仍留在参议院的共和党人。在投票之前，他已通过休会任命担任 CFPB 主任一年多。</blockquote> Mr. Cordray could face a closer confirmation vote if he is nominated for the Fed job. “I like Richard. I respect Richard. Richard is to the left of Lenin,” said Sen. John Kennedy (R., La.), a member of the banking committee, which holds hearings on Fed nominees. “Richard believes that only government can make America great. He and I disagree.”<blockquote>如果科德雷被提名担任美联储职位，他可能会面临更接近的确认投票。“我喜欢理查德。我尊重理查德。理查德在列宁的左边，”负责就美联储提名人举行听证会的银行委员会成员、参议员约翰-肯尼迪（John Kennedy，共和党，路易斯安那州）说。“理查德认为只有政府才能让美国变得伟大。他和我不同意。”</blockquote> Sen. Mike Rounds (R., S.D.) hinted that Mr. Cordray’s previous clashes with Republicans from his tenure at the CFPB could make for a bruising confirmation fight. “We all have history with him already, and the president should know that,” he told reporters. Mr. Rounds said he would wait for a formal nomination before “we begin the process of consulting, and perhaps advising [the president] to withdraw” a nomination.<blockquote>参议员迈克-朗兹（Mike Rounds，共和党，南达科他州）暗示，科德雷先生在 CFPB 任职期间与共和党人的冲突可能会导致一场激烈的确认之战。“他对记者说：”我们都与他有渊源，总统应该知道这一点。朗兹先生说，他将等待正式提名，然后 “我们将开始磋商程序，也许会建议（总统）撤回 ”提名。</blockquote> The administration has struggled to fill some top financial regulatory posts with individuals who can satisfy its allies on Capitol Hill and maneuver through an evenly divided Senate.<blockquote>政府一直在努力用能够满足国会山盟友并通过势均力敌的参议院的个人来填补一些高级金融监管职位。</blockquote> For instance, the White House considered at least three candidates for another banking post, comptroller of the currency, before settling on Saule Omarova, a Cornell University law professor, who is unlikely to win confirmation. Opposition from Republicans and&nbsp;a group of moderate Democrats&nbsp;has likely scuttled her nomination, though the White House said last week that it still supports her.<blockquote>例如，白宫考虑了至少三名候选人担任另一个银行业职位——货币审计长，最终选择了康奈尔大学法学教授索勒·奥马罗娃（Saule Omarova），后者不太可能获得确认。共和党人和一群温和派民主党人的反对可能破坏了她的提名，尽管白宫上周表示仍然支持她。</blockquote> Mr. Biden last week said he would nominate Fed Chairman Jerome Powell to&nbsp;a second four-year term atop the central bank&nbsp;when his current position expires in February. He also said he would elevate Fed governor Lael Brainard to succeed Vice Chairman Richard Clarida when his term expires next year.<blockquote>拜登上周表示，他将提名美联储主席杰罗姆·鲍威尔连任美联储主席，任期四年。他还表示，明年任期届满时，他将提拔美联储理事莱尔·布雷纳德接替副主席理查德·克拉里达。</blockquote> With Mr. Clarida’s departure, one existing vacancy and Mr. Quarles’s resignation set to take effect at the end of this year, Mr. Biden has three seats to fill on the Fed’s seven-member board, including the vice chair of supervision.<blockquote>随着克拉里达先生的离职、一个现有空缺以及夸尔斯先生的辞职将于今年年底生效，拜登先生在美联储七人董事会中还有三个席位需要填补，其中包括监管副主席。</blockquote> Mr. Biden has pledged to ensure his future Fed appointments improve the diversity of the central bank’s leadership. Nominating Mr. Cordray, a white man, could increase scrutiny on the administration’s choices for the remaining seats.<blockquote>拜登先生承诺将确保他未来的美联储任命改善央行领导层的多元化。提名白人科德雷先生可能会加强对政府剩余席位选择的审查。</blockquote> “I was hoping for more diversity in the nominations,” said Julia Coronado, a former Fed economist and founder of economic-advisory firm MacroPolicy Perspectives.<blockquote>“前美联储经济学家、经济咨询公司 MacroPolicy Perspectives 创始人朱莉娅-科罗纳多（Julia Coronado）说：”我希望提名能够更加多样化。</blockquote> The president’s decision to reappoint Mr. Powell won bipartisan backing but followed&nbsp;a last-ditch effort by some progressive Democrats&nbsp;to push for new leadership at the Fed, with critics objecting to the direction of bank regulation under Messrs. Powell and Quarles.<blockquote>总统重新任命鲍威尔先生的决定赢得了两党的支持，但在此之前，一些进步民主党人为推动美联储新领导层做出了最后的努力，批评者反对鲍威尔先生和夸尔斯先生领导下的银行监管方向。</blockquote> At a Sept. 22 news conference, Mr. Powell said he would defer on the regulatory agenda to whoever is installed as the vice chair for supervision because the Dodd-Frank law that created the post provides specific authority to that position. “I respect that authority. I respect that that’s the person who will set the regulatory agenda going forward, and I would accept that,” he said.<blockquote>在 9 月 22 日的新闻发布会上，鲍威尔表示，他将把监管议程推迟给被任命为监管副主席的人，因为设立该职位的多德弗兰克法案赋予了该职位特定的权力。“我尊重这个权威。我尊重这个人将制定未来的监管议程，我会接受这一点，”他说。</blockquote> The Fed has several regulatory policy issues to tackle. These include an important potential tweak to how the Fed counts deposits held at the central bank toward banks’ leverage ratio. The Fed allowed a temporary, pandemic-related reprieve from the capital requirements to expire this spring, but it promised to consider a broader revamp to the rule’s treatment of ultrasafe assets.<blockquote>美联储有几个监管政策问题需要解决。其中包括对美联储将央行存款计入银行杠杆率的方式进行重要的潜在调整。美联储允许与大流行病相关的临时资本要求缓期措施于今年春季到期，但承诺考虑对该规则对超安全资产的处理进行更广泛的修改。</blockquote> It isn’t known whether new Fed governors might review changes to the postcrisis rulebook made during the Trump administration. Mr. Powell and supporters of those changes have referred to them as a “tailoring” of complex and unworkable rules. Some Democratic critics say the changes have substantially weakened the original overhauls.<blockquote>目前尚不清楚新任美联储理事是否会审查特朗普政府期间对危机后规则手册所做的修改。鲍威尔先生和这些改革的支持者称这些改革是对复杂且不可行的规则的 “量身定制 ”。一些民主党批评者说，这些变化大大削弱了最初的改革。</blockquote> The Biden administration has eyed tapping an experienced regulator who could focus on rebooting a bank-supervisory process at the Fed that some Democrats say was weakened under Mr. Quarles.<blockquote>拜登政府已着眼于聘请一位经验丰富的监管机构，该监管机构可以专注于重启美联储的银行监管流程，一些民主党人表示，在夸尔斯的领导下，这一流程被削弱了。</blockquote> People who know Mr. Cordray have described him as hardworking and soft-spoken, with an encyclopedic mind. He sailed to five straight wins on the TV game show “Jeopardy!” in 1987, in part by knowing the names of the wives of French Emperor Napoleon and identifying Harold Abrahams as a 1924 Olympics champion.<blockquote>认识科德雷的人形容他勤奋、说话温和，有着百科全书式的头脑。他在电视游戏节目《危险边缘》中取得了五连胜!1987年，部分原因是知道了法国皇帝拿破仑妻子的名字，并确定哈罗德·亚伯拉罕是1924年奥运会冠军。</blockquote> He clerked for two Supreme Court associate justices, Byron White and Anthony Kennedy, before entering politics as an Ohio state representative in 1991.<blockquote>在1991年作为俄亥俄州众议员进入政坛之前，他曾为两位最高法院助理大法官拜伦·怀特和安东尼·肯尼迪担任书记员。</blockquote> Mr. Cordray left his post at the CFPB to run for governor of Ohio, a race the Democrat lost in 2018 to Republican Mike DeWine.<blockquote>科德雷离开 CFPB 的职位，竞选俄亥俄州州长，民主党人在 2018 年的竞选中输给了共和党人迈克·德温 (Mike DeWine)。</blockquote> While Mr. Cordray ran the CFPB, it&nbsp;imposed new restrictions on high-interest payday loans—small, short-term consumer loans that can have interest rates as high as 400%. The agency adopted the “arbitration rule,” which&nbsp;made it easier for consumers to band together to sue&nbsp;over complaints about bank accounts, credit cards and other products. Under the Trump administration,the CFPB eased the payday restrictions&nbsp;while Congressover&nbsp;turned the arbitration rule.<blockquote>当科德雷先生管理 CFPB 时，它对高息发薪日贷款实施了新的限制——小额短期消费贷款，利率可能高达 400%。该机构采用了 “仲裁规则”，使消费者更容易联合起来，就有关银行账户、信用卡和其他产品的投诉提起诉讼。在特朗普执政期间， CFPB 放宽了发薪日限制， 而国会则推翻了仲裁规则。</blockquote> Mr. Cordray earned a reputation as an aggressive litigator during his years as a state attorney general, when he pursued high-profile lawsuits against some of the country’s largest financial firms. He also took a lead role in the multistate probe into foreclosure abuses by the largest U.S. banks, calling several companies’ foreclosure practices a “business model built on fraud.”<blockquote>科德雷先生在担任州总检察长期间，曾对美国一些最大的金融公司提起过备受瞩目的诉讼，因此赢得了积极诉讼的声誉。他还带头对美国最大银行滥用止赎行为的多州调查，称几家公司的止赎行为是 “建立在欺诈基础上的商业模式”。</blockquote> Under Mr. Cordray, the bureau frequently bumped heads with businesses. Companies&nbsp;accused the CFPB of penalizing them&nbsp;without providing a heads-up that they were breaking the rules and giving them a fair chance to comply. New rules, the companies also argued, created needless costs that made financial products more expensive for customers.<blockquote>在科德雷先生的领导下，该局经常与企业发生冲突。公司指责 CFPB 惩罚他们，却没有提醒他们违反了规则，并给他们公平的遵守机会。两家公司还认为，新规则造成了不必要的成本，使金融产品对客户来说更加昂贵。</blockquote> Representatives of the American Banking Association and the Financial Services Forum, industry groups that represent banks, declined to comment Tuesday.<blockquote>代表银行的行业组织美国银行协会和金融服务论坛的代表周二拒绝置评。</blockquote> Mr. Cordray previously served as attorney general of Ohio from 2008 until 2011, after he was also defeated by Mr. DeWine. He previously served as the state’s solicitor general and treasurer. He ran unsuccessfully for a seat in the House of Representatives in 1992 and the U.S. Senate in 2000.<blockquote>Cordray先生曾于2008年至2011年担任俄亥俄州司法部长，此前他也被DeWine先生击败。他曾担任该州副检察长和司库。1992年，他竞选众议院席位，但没有成功。2000年参议院。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>White House Considering Richard Cordray as Top Fed Banking Regulator<blockquote>白宫考虑理查德·科德雷担任美联储最高银行业监管机构</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhite House Considering Richard Cordray as Top Fed Banking Regulator<blockquote>白宫考虑理查德·科德雷担任美联储最高银行业监管机构</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nThe Wall Street Journal2021-12-01 19:45\n\n</h4>\n</header>\n<article>\nOhio attorney served as Consumer Financial Protection Bureau’s first confirmed director<blockquote>俄亥俄州律师担任消费者金融保护局首位确认局长</blockquote> <img src=\"https://static.tigerbbs.com/49cf36a8bb7a4d2c1f1ae35f1fc24d1b\" tg-width=\"1290\" tg-height=\"860\" width=\"100%\" height=\"auto\">At the Consumer Financial Protection Bureau, Richard Cordray brought changes to consumer finance, a sector that had previously escaped federal regulatory scrutiny.<blockquote>在消费者金融保护局，理查德·科德雷 (Richard Cordray) 为消费者金融带来了变革，该行业此前一直逃避联邦监管审查。</blockquote> President Biden is considering Richard Cordray, the first director of the Consumer Financial Protection Bureau, to serve as the Federal Reserve’s top banking regulator, according to people familiar with the matter.<blockquote>据知情人士透露，拜登总统正在考虑任命消费者金融保护局首任局长理查德-科德雷（Richard Cordray）担任美联储最高银行业监管机构。</blockquote> If nominated and confirmed by the Senate, Mr. Cordray would become the government’s most influential overseer of the U.S. banking system, succeeding Randal Quarles as the Fed’s vice chairman of banking supervision.<blockquote>如果获得参议院提名并确认，科德雷先生将成为美国政府对美国银行系统最有影响力的监督者，接替兰德尔-夸尔斯（Randal Quarles）担任美联储银行监管副主席。</blockquote> Mr. Cordray, an attorney,served as head of the CFPB from 2012 to 2017, a watchdog Congress created after the 2008 financial crisis to regulate lenders and other companies tied to consumer finance. He is currently a top official at the Education Department,serving as the chief operating officer of Federal Student Aid, overseeing the $1.6 trillion student-loan program.<blockquote>Cordray 先生是一名律师，于 2012 年至 2017 年担任 CFPB 负责人，CFPB 是 2008 年金融危机后成立的监管机构国会，旨在监管贷款机构和其他与消费金融相关的公司。他目前是教育部的高级官员，担任联邦学生援助组织的首席运营官，监管1.6万亿美元的学生贷款计划。</blockquote> Mr. Cordray declined to comment. The White House said last week it would announce additional Fed appointments beginning in early December.<blockquote>科德雷拒绝置评。白宫上周表示，将从 12 月初开始宣布更多美联储任命。</blockquote> Senate Banking Committee Chairman Sherrod Brown (D., Ohio) said Tuesday that Mr. Cordray was one of several candidates under consideration. “I’m talking to the White House about him and a number of other people,” he said.<blockquote>参议院银行委员会主席谢罗德·布朗（俄亥俄州民主党人）周二表示，科德雷是正在考虑的几位候选人之一。“他说：”我正在和白宫谈论他和其他一些人的事情。</blockquote> At the CFPB, Mr. Cordray brought significant changes to consumer finance, a corner of the financial industry that had previously escaped regulatory scrutiny. The agency tightened underwriting standards for mortgages, required more disclosure on credit-card rates and fees, and introduced federal oversight to payday lending.<blockquote>在 CFPB，科德雷先生给消费金融带来了重大变革，消费金融是金融行业的一个角落，此前一直逃避监管审查。该机构收紧了抵押贷款的承保标准，要求更多地披露信用卡利率和费用，并对发薪日贷款引入了联邦监管。</blockquote> Mr. Cordray’s nomination for the Fed post could hearten progressive Democrats who have called for the central bank to take a tougher approach to regulating big banks and addressing financial risks posed by climate change. Sen. Elizabeth Warren (D., Mass.) has privately pushed senior White House officials to consider Mr. Cordray for the role, one of the people familiar with the matter said. A spokeswoman for Ms. Warren declined to comment.<blockquote>科德雷先生被提名担任美联储主席可能会让进步民主党人感到欣慰，他们呼吁央行采取更强硬的方法来监管大银行，并应对气候变化带来的金融风险。一位知情人士说，马萨诸塞州民主党参议员伊丽莎白·沃伦私下推动白宫高级官员考虑让科德雷担任这一职务。沃伦女士的发言人拒绝置评。</blockquote> Without citing a specific candidate, Ms. Warren said Monday that the Fed job should go to “someone who has the insight to recognize how important regulation is to the effective functioning of the financial markets and has the courage to follow through on that insight.”<blockquote>沃伦女士周一表示，美联储的工作应该交给 “有洞察力认识到监管对金融市场有效运作的重要性，并有勇气贯彻这一洞察力的人”，但没有提及具体的候选人。</blockquote> Mr. Cordray&nbsp;won Senate confirmation on a 66-34 vote&nbsp;in 2013 for a five-year term as the CFPB’s head, following a lengthy delay. He received backing from 12 Republicans, including five who remain in the Senate. Before the vote, he had been serving as CFPB director for over a year through a recess appointment.<blockquote>2013 年，科德雷先生以 66 票对 34 票的投票结果赢得了参议院的确认，担任 CFPB 负责人，任期五年。他得到了12名共和党人的支持，其中包括5名仍留在参议院的共和党人。在投票之前，他已通过休会任命担任 CFPB 主任一年多。</blockquote> Mr. Cordray could face a closer confirmation vote if he is nominated for the Fed job. “I like Richard. I respect Richard. Richard is to the left of Lenin,” said Sen. John Kennedy (R., La.), a member of the banking committee, which holds hearings on Fed nominees. “Richard believes that only government can make America great. He and I disagree.”<blockquote>如果科德雷被提名担任美联储职位，他可能会面临更接近的确认投票。“我喜欢理查德。我尊重理查德。理查德在列宁的左边，”负责就美联储提名人举行听证会的银行委员会成员、参议员约翰-肯尼迪（John Kennedy，共和党，路易斯安那州）说。“理查德认为只有政府才能让美国变得伟大。他和我不同意。”</blockquote> Sen. Mike Rounds (R., S.D.) hinted that Mr. Cordray’s previous clashes with Republicans from his tenure at the CFPB could make for a bruising confirmation fight. “We all have history with him already, and the president should know that,” he told reporters. Mr. Rounds said he would wait for a formal nomination before “we begin the process of consulting, and perhaps advising [the president] to withdraw” a nomination.<blockquote>参议员迈克-朗兹（Mike Rounds，共和党，南达科他州）暗示，科德雷先生在 CFPB 任职期间与共和党人的冲突可能会导致一场激烈的确认之战。“他对记者说：”我们都与他有渊源，总统应该知道这一点。朗兹先生说，他将等待正式提名，然后 “我们将开始磋商程序，也许会建议（总统）撤回 ”提名。</blockquote> The administration has struggled to fill some top financial regulatory posts with individuals who can satisfy its allies on Capitol Hill and maneuver through an evenly divided Senate.<blockquote>政府一直在努力用能够满足国会山盟友并通过势均力敌的参议院的个人来填补一些高级金融监管职位。</blockquote> For instance, the White House considered at least three candidates for another banking post, comptroller of the currency, before settling on Saule Omarova, a Cornell University law professor, who is unlikely to win confirmation. Opposition from Republicans and&nbsp;a group of moderate Democrats&nbsp;has likely scuttled her nomination, though the White House said last week that it still supports her.<blockquote>例如，白宫考虑了至少三名候选人担任另一个银行业职位——货币审计长，最终选择了康奈尔大学法学教授索勒·奥马罗娃（Saule Omarova），后者不太可能获得确认。共和党人和一群温和派民主党人的反对可能破坏了她的提名，尽管白宫上周表示仍然支持她。</blockquote> Mr. Biden last week said he would nominate Fed Chairman Jerome Powell to&nbsp;a second four-year term atop the central bank&nbsp;when his current position expires in February. He also said he would elevate Fed governor Lael Brainard to succeed Vice Chairman Richard Clarida when his term expires next year.<blockquote>拜登上周表示，他将提名美联储主席杰罗姆·鲍威尔连任美联储主席，任期四年。他还表示，明年任期届满时，他将提拔美联储理事莱尔·布雷纳德接替副主席理查德·克拉里达。</blockquote> With Mr. Clarida’s departure, one existing vacancy and Mr. Quarles’s resignation set to take effect at the end of this year, Mr. Biden has three seats to fill on the Fed’s seven-member board, including the vice chair of supervision.<blockquote>随着克拉里达先生的离职、一个现有空缺以及夸尔斯先生的辞职将于今年年底生效，拜登先生在美联储七人董事会中还有三个席位需要填补，其中包括监管副主席。</blockquote> Mr. Biden has pledged to ensure his future Fed appointments improve the diversity of the central bank’s leadership. Nominating Mr. Cordray, a white man, could increase scrutiny on the administration’s choices for the remaining seats.<blockquote>拜登先生承诺将确保他未来的美联储任命改善央行领导层的多元化。提名白人科德雷先生可能会加强对政府剩余席位选择的审查。</blockquote> “I was hoping for more diversity in the nominations,” said Julia Coronado, a former Fed economist and founder of economic-advisory firm MacroPolicy Perspectives.<blockquote>“前美联储经济学家、经济咨询公司 MacroPolicy Perspectives 创始人朱莉娅-科罗纳多（Julia Coronado）说：”我希望提名能够更加多样化。</blockquote> The president’s decision to reappoint Mr. Powell won bipartisan backing but followed&nbsp;a last-ditch effort by some progressive Democrats&nbsp;to push for new leadership at the Fed, with critics objecting to the direction of bank regulation under Messrs. Powell and Quarles.<blockquote>总统重新任命鲍威尔先生的决定赢得了两党的支持，但在此之前，一些进步民主党人为推动美联储新领导层做出了最后的努力，批评者反对鲍威尔先生和夸尔斯先生领导下的银行监管方向。</blockquote> At a Sept. 22 news conference, Mr. Powell said he would defer on the regulatory agenda to whoever is installed as the vice chair for supervision because the Dodd-Frank law that created the post provides specific authority to that position. “I respect that authority. I respect that that’s the person who will set the regulatory agenda going forward, and I would accept that,” he said.<blockquote>在 9 月 22 日的新闻发布会上，鲍威尔表示，他将把监管议程推迟给被任命为监管副主席的人，因为设立该职位的多德弗兰克法案赋予了该职位特定的权力。“我尊重这个权威。我尊重这个人将制定未来的监管议程，我会接受这一点，”他说。</blockquote> The Fed has several regulatory policy issues to tackle. These include an important potential tweak to how the Fed counts deposits held at the central bank toward banks’ leverage ratio. The Fed allowed a temporary, pandemic-related reprieve from the capital requirements to expire this spring, but it promised to consider a broader revamp to the rule’s treatment of ultrasafe assets.<blockquote>美联储有几个监管政策问题需要解决。其中包括对美联储将央行存款计入银行杠杆率的方式进行重要的潜在调整。美联储允许与大流行病相关的临时资本要求缓期措施于今年春季到期，但承诺考虑对该规则对超安全资产的处理进行更广泛的修改。</blockquote> It isn’t known whether new Fed governors might review changes to the postcrisis rulebook made during the Trump administration. Mr. Powell and supporters of those changes have referred to them as a “tailoring” of complex and unworkable rules. Some Democratic critics say the changes have substantially weakened the original overhauls.<blockquote>目前尚不清楚新任美联储理事是否会审查特朗普政府期间对危机后规则手册所做的修改。鲍威尔先生和这些改革的支持者称这些改革是对复杂且不可行的规则的 “量身定制 ”。一些民主党批评者说，这些变化大大削弱了最初的改革。</blockquote> The Biden administration has eyed tapping an experienced regulator who could focus on rebooting a bank-supervisory process at the Fed that some Democrats say was weakened under Mr. Quarles.<blockquote>拜登政府已着眼于聘请一位经验丰富的监管机构，该监管机构可以专注于重启美联储的银行监管流程，一些民主党人表示，在夸尔斯的领导下，这一流程被削弱了。</blockquote> People who know Mr. Cordray have described him as hardworking and soft-spoken, with an encyclopedic mind. He sailed to five straight wins on the TV game show “Jeopardy!” in 1987, in part by knowing the names of the wives of French Emperor Napoleon and identifying Harold Abrahams as a 1924 Olympics champion.<blockquote>认识科德雷的人形容他勤奋、说话温和，有着百科全书式的头脑。他在电视游戏节目《危险边缘》中取得了五连胜!1987年，部分原因是知道了法国皇帝拿破仑妻子的名字，并确定哈罗德·亚伯拉罕是1924年奥运会冠军。</blockquote> He clerked for two Supreme Court associate justices, Byron White and Anthony Kennedy, before entering politics as an Ohio state representative in 1991.<blockquote>在1991年作为俄亥俄州众议员进入政坛之前，他曾为两位最高法院助理大法官拜伦·怀特和安东尼·肯尼迪担任书记员。</blockquote> Mr. Cordray left his post at the CFPB to run for governor of Ohio, a race the Democrat lost in 2018 to Republican Mike DeWine.<blockquote>科德雷离开 CFPB 的职位，竞选俄亥俄州州长，民主党人在 2018 年的竞选中输给了共和党人迈克·德温 (Mike DeWine)。</blockquote> While Mr. Cordray ran the CFPB, it&nbsp;imposed new restrictions on high-interest payday loans—small, short-term consumer loans that can have interest rates as high as 400%. The agency adopted the “arbitration rule,” which&nbsp;made it easier for consumers to band together to sue&nbsp;over complaints about bank accounts, credit cards and other products. Under the Trump administration,the CFPB eased the payday restrictions&nbsp;while Congressover&nbsp;turned the arbitration rule.<blockquote>当科德雷先生管理 CFPB 时，它对高息发薪日贷款实施了新的限制——小额短期消费贷款，利率可能高达 400%。该机构采用了 “仲裁规则”，使消费者更容易联合起来，就有关银行账户、信用卡和其他产品的投诉提起诉讼。在特朗普执政期间， CFPB 放宽了发薪日限制， 而国会则推翻了仲裁规则。</blockquote> Mr. Cordray earned a reputation as an aggressive litigator during his years as a state attorney general, when he pursued high-profile lawsuits against some of the country’s largest financial firms. He also took a lead role in the multistate probe into foreclosure abuses by the largest U.S. banks, calling several companies’ foreclosure practices a “business model built on fraud.”<blockquote>科德雷先生在担任州总检察长期间，曾对美国一些最大的金融公司提起过备受瞩目的诉讼，因此赢得了积极诉讼的声誉。他还带头对美国最大银行滥用止赎行为的多州调查，称几家公司的止赎行为是 “建立在欺诈基础上的商业模式”。</blockquote> Under Mr. Cordray, the bureau frequently bumped heads with businesses. Companies&nbsp;accused the CFPB of penalizing them&nbsp;without providing a heads-up that they were breaking the rules and giving them a fair chance to comply. New rules, the companies also argued, created needless costs that made financial products more expensive for customers.<blockquote>在科德雷先生的领导下，该局经常与企业发生冲突。公司指责 CFPB 惩罚他们，却没有提醒他们违反了规则，并给他们公平的遵守机会。两家公司还认为，新规则造成了不必要的成本，使金融产品对客户来说更加昂贵。</blockquote> Representatives of the American Banking Association and the Financial Services Forum, industry groups that represent banks, declined to comment Tuesday.<blockquote>代表银行的行业组织美国银行协会和金融服务论坛的代表周二拒绝置评。</blockquote> Mr. Cordray previously served as attorney general of Ohio from 2008 until 2011, after he was also defeated by Mr. DeWine. He previously served as the state’s solicitor general and treasurer. He ran unsuccessfully for a seat in the House of Representatives in 1992 and the U.S. Senate in 2000.<blockquote>Cordray先生曾于2008年至2011年担任俄亥俄州司法部长，此前他也被DeWine先生击败。他曾担任该州副检察长和司库。1992年，他竞选众议院席位，但没有成功。2000年参议院。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.wsj.com/articles/white-house-considering-richard-cordray-as-top-fed-banking-regulator-11638285603?mod=hp_lista_pos3\">The Wall Street Journal</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".SPX":"S&P 500 Index",".DJI":"道琼斯",".IXIC":"NASDAQ Composite"},"source_url":"https://www.wsj.com/articles/white-house-considering-richard-cordray-as-top-fed-banking-regulator-11638285603?mod=hp_lista_pos3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1174941744","content_text":"Ohio attorney served as Consumer Financial Protection Bureau’s first confirmed director\nAt the Consumer Financial Protection Bureau, Richard Cordray brought changes to consumer finance, a sector that had previously escaped federal regulatory scrutiny.\nPresident Biden is considering Richard Cordray, the first director of the Consumer Financial Protection Bureau, to serve as the Federal Reserve’s top banking regulator, according to people familiar with the matter.\nIf nominated and confirmed by the Senate, Mr. Cordray would become the government’s most influential overseer of the U.S. banking system, succeeding Randal Quarles as the Fed’s vice chairman of banking supervision.\nMr. Cordray, an attorney,served as head of the CFPB from 2012 to 2017, a watchdog Congress created after the 2008 financial crisis to regulate lenders and other companies tied to consumer finance. He is currently a top official at the Education Department,serving as the chief operating officer of Federal Student Aid, overseeing the $1.6 trillion student-loan program.\nMr. Cordray declined to comment. The White House said last week it would announce additional Fed appointments beginning in early December.\nSenate Banking Committee Chairman Sherrod Brown (D., Ohio) said Tuesday that Mr. Cordray was one of several candidates under consideration. “I’m talking to the White House about him and a number of other people,” he said.\nAt the CFPB, Mr. Cordray brought significant changes to consumer finance, a corner of the financial industry that had previously escaped regulatory scrutiny. The agency tightened underwriting standards for mortgages, required more disclosure on credit-card rates and fees, and introduced federal oversight to payday lending.\nMr. Cordray’s nomination for the Fed post could hearten progressive Democrats who have called for the central bank to take a tougher approach to regulating big banks and addressing financial risks posed by climate change. Sen. Elizabeth Warren (D., Mass.) has privately pushed senior White House officials to consider Mr. Cordray for the role, one of the people familiar with the matter said. A spokeswoman for Ms. Warren declined to comment.\nWithout citing a specific candidate, Ms. Warren said Monday that the Fed job should go to “someone who has the insight to recognize how important regulation is to the effective functioning of the financial markets and has the courage to follow through on that insight.”\nMr. Cordray won Senate confirmation on a 66-34 vote in 2013 for a five-year term as the CFPB’s head, following a lengthy delay. He received backing from 12 Republicans, including five who remain in the Senate. Before the vote, he had been serving as CFPB director for over a year through a recess appointment.\nMr. Cordray could face a closer confirmation vote if he is nominated for the Fed job. “I like Richard. I respect Richard. Richard is to the left of Lenin,” said Sen. John Kennedy (R., La.), a member of the banking committee, which holds hearings on Fed nominees. “Richard believes that only government can make America great. He and I disagree.”\nSen. Mike Rounds (R., S.D.) hinted that Mr. Cordray’s previous clashes with Republicans from his tenure at the CFPB could make for a bruising confirmation fight. “We all have history with him already, and the president should know that,” he told reporters. Mr. Rounds said he would wait for a formal nomination before “we begin the process of consulting, and perhaps advising [the president] to withdraw” a nomination.\nThe administration has struggled to fill some top financial regulatory posts with individuals who can satisfy its allies on Capitol Hill and maneuver through an evenly divided Senate.\nFor instance, the White House considered at least three candidates for another banking post, comptroller of the currency, before settling on Saule Omarova, a Cornell University law professor, who is unlikely to win confirmation. Opposition from Republicans and a group of moderate Democrats has likely scuttled her nomination, though the White House said last week that it still supports her.\nMr. Biden last week said he would nominate Fed Chairman Jerome Powell to a second four-year term atop the central bank when his current position expires in February. He also said he would elevate Fed governor Lael Brainard to succeed Vice Chairman Richard Clarida when his term expires next year.\nWith Mr. Clarida’s departure, one existing vacancy and Mr. Quarles’s resignation set to take effect at the end of this year, Mr. Biden has three seats to fill on the Fed’s seven-member board, including the vice chair of supervision.\nMr. Biden has pledged to ensure his future Fed appointments improve the diversity of the central bank’s leadership. Nominating Mr. Cordray, a white man, could increase scrutiny on the administration’s choices for the remaining seats.\n“I was hoping for more diversity in the nominations,” said Julia Coronado, a former Fed economist and founder of economic-advisory firm MacroPolicy Perspectives.\nThe president’s decision to reappoint Mr. Powell won bipartisan backing but followed a last-ditch effort by some progressive Democrats to push for new leadership at the Fed, with critics objecting to the direction of bank regulation under Messrs. Powell and Quarles.\nAt a Sept. 22 news conference, Mr. Powell said he would defer on the regulatory agenda to whoever is installed as the vice chair for supervision because the Dodd-Frank law that created the post provides specific authority to that position. “I respect that authority. I respect that that’s the person who will set the regulatory agenda going forward, and I would accept that,” he said.\nThe Fed has several regulatory policy issues to tackle. These include an important potential tweak to how the Fed counts deposits held at the central bank toward banks’ leverage ratio. The Fed allowed a temporary, pandemic-related reprieve from the capital requirements to expire this spring, but it promised to consider a broader revamp to the rule’s treatment of ultrasafe assets.\nIt isn’t known whether new Fed governors might review changes to the postcrisis rulebook made during the Trump administration. Mr. Powell and supporters of those changes have referred to them as a “tailoring” of complex and unworkable rules. Some Democratic critics say the changes have substantially weakened the original overhauls.\nThe Biden administration has eyed tapping an experienced regulator who could focus on rebooting a bank-supervisory process at the Fed that some Democrats say was weakened under Mr. Quarles.\nPeople who know Mr. Cordray have described him as hardworking and soft-spoken, with an encyclopedic mind. He sailed to five straight wins on the TV game show “Jeopardy!” in 1987, in part by knowing the names of the wives of French Emperor Napoleon and identifying Harold Abrahams as a 1924 Olympics champion.\nHe clerked for two Supreme Court associate justices, Byron White and Anthony Kennedy, before entering politics as an Ohio state representative in 1991.\nMr. Cordray left his post at the CFPB to run for governor of Ohio, a race the Democrat lost in 2018 to Republican Mike DeWine.\nWhile Mr. Cordray ran the CFPB, it imposed new restrictions on high-interest payday loans—small, short-term consumer loans that can have interest rates as high as 400%. The agency adopted the “arbitration rule,” which made it easier for consumers to band together to sue over complaints about bank accounts, credit cards and other products. Under the Trump administration,the CFPB eased the payday restrictions while Congressover turned the arbitration rule.\nMr. Cordray earned a reputation as an aggressive litigator during his years as a state attorney general, when he pursued high-profile lawsuits against some of the country’s largest financial firms. He also took a lead role in the multistate probe into foreclosure abuses by the largest U.S. banks, calling several companies’ foreclosure practices a “business model built on fraud.”\nUnder Mr. Cordray, the bureau frequently bumped heads with businesses. Companies accused the CFPB of penalizing them without providing a heads-up that they were breaking the rules and giving them a fair chance to comply. New rules, the companies also argued, created needless costs that made financial products more expensive for customers.\nRepresentatives of the American Banking Association and the Financial Services Forum, industry groups that represent banks, declined to comment Tuesday.\nMr. Cordray previously served as attorney general of Ohio from 2008 until 2011, after he was also defeated by Mr. DeWine. He previously served as the state’s solicitor general and treasurer. He ran unsuccessfully for a seat in the House of Representatives in 1992 and the U.S. Senate in 2000.","news_type":1,"symbols_score_info":{".IXIC":0.9,".SPX":0.9,".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":474,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":7,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/603978616"}