2Elizabeth R.Schiltz, Danning Watters : Channeling the Power of Federal Preemption of State Consumer Banking Laws[M].35 Fla.St.U.L Rev.893,2008.
3David S. Evans,Joshua D. Wright,The Effect of the Consumer Financial Protection Agency Act of 2009 on Consumer Credit[J].Loyola Consumer Law Review,2010.
4Elizabeth R.Schiltz,The Paradox of the Global and the Local in the Financial Crisis of 2008:Applying the Lessons of Caritas in Veritate to the Regulation of Consumer Credit in the United States and the European Union [ J ].Journal of Law and Religion, 2010-2011.
5美国消费者数据行业协会主席康纳利先生1998年在北京“消费者信用风险信用管理研讨会”上的发言.
6Consumer Credit Protection Act.103(e).
7Barack Obama,President of the United States,Speech on 21st Century Financial Regulatory Reform (June 17,2009), http://www.cfr.org/united -states/obamas -speech - 21st-century-financial-regulatory-reform/p19658(2011年10月25日最后访问).
