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  • THE PRESIDENT: Good morning. This week, I met with Housing Secretary Jackson and Treasury Secretary Paulson to discuss the economy and the turbulence in our Nation's mortgage industry. The fundamentals of America's economy remain strong. But the mortgage industry is going through a period of adjustment. And some Americans are worried about the impact this is having on their ability to make their monthly mortgage payments. I have made it a priority to help American homeowners navigate these financial challenges, so that as many families as possible can stay in their homes. The Federal government will not bail out lenders -- because that would only make a recurrence of the problem more likely. And it is not the government's job to bail out speculators, or those who made the decision to buy a home they knew they could never afford. But I support action at the Federal level that will help more American families keep their homes. One important way to help homeowners during this time of housing market stress is for Congress to change a key part of the Federal tax code. Under current law, when a lender forgives part of a mortgage to help its customer stay afloat, that amount is treated as taxable income. When your home is losing value and your family is under financial stress, the last thing you need is to be hit with higher taxes. So I'm working with members of both parties to pass a bill that will protect homeowners from having to pay taxes on cancelled mortgage debt. Another important step we're taking for American homeowners is to modernize the Federal Housing Administration. The FHA is a government agency that provides mortgage insurance to borrowers through a network of private sector lenders. I've sent Congress important legislation that would help more Americans qualify for this insurance by lowering down-payment requirements, increasing loan limits, and providing more flexibility in pricing. By passing this legislation, Congress will allow the FHA to reach more families in need of our assistance, and I ask Congress to act quickly. At the same time we will launch a new FHA initiative called FHASecure. This initiative will help some people who have good credit but have recently been missing their payments. FHASecure will help these families refinance their mortgages so they can make their payments and keep their homes. There are other ways we can help. My Administration will launch a new Foreclosure Avoidance Initiative to help homeowners learn more about their refinancing options. I've directed Secretary Paulson and Secretary Jackson to look into innovative ways to bring together homeowners and counseling groups, financial professionals, and the FHA and government-sponsored enterprises like Fannie Mae and Freddie Mac to help American families find the mortgage product that works best for them. Finally, the Federal government is working to make the mortgage industry more transparent and more reliable and more fair, so we can reduce the likelihood that homeowners will face similar problems in the future. Federal banking regulators are strengthening lending standards and making mortgages easier to understand. My Administration is working on new rules to help our consumers compare and shop for loans that meet their budgets and needs. We are committed to pursuing fraud and wrongdoing in the mortgage industry. Homeownership has always been part of the American Dream. During my Administration we've achieved record homeownership rates. We'll continue to work hard to keep our housing market strong, to ensure that American families can afford the homes they buy, and to help bring the dignity and security that comes with homeownership to more of our citizens. Thank you for listening. 200801/23809
  • Good morning. Earlier this week, the government of North Korea proclaimed to the world that it had conducted a successful nuclear weapons test. In response to North Korea's provocative actions, America is working with our partners in the region and in the ed Nations Security Council to ensure that there are serious repercussions for the North Korean regime.North Korea has been pursuing nuclear weapons and defying its international commitments for years. In 1993, North Korea announced that it was withdrawing from the Nuclear Nonproliferation Treaty. The ed States negotiated with North Korea and reached a bilateral agreement in 1994: North Korea committed to giving up its pursuit of nuclear weapons in exchange for help with peaceful nuclear power.After I came to office, we discovered that North Korea had been violating this agreement for some time by continuing work on a covert nuclear weapons program. My administration confronted the North Korea regime with this evidence in 2002, and the North Koreans subsequently walked away from the 1994 agreement.So my Administration decided to take a new approach. We brought together other nations in the region in an effort to resolve the situation through multilateral diplomacy. The logic behind this approach is clear: North Korea's neighbors have the most at stake, and they are North Korea's principal sources of food, energy, and trade, so it makes sense to enlist them in the effort to get the North Korean regime to end its nuclear program.This diplomatic effort was called the Six-Party Talks, and these talks included North and South Korea, China, Japan, Russia and the ed States. In September of last year, these diplomatic efforts resulted in a wide-ranging Joint Statement that offered a resolution to the problem and a better life for the North Korean people. In this Joint Statement, North Korea committed to abandoning all nuclear weapons and existing nuclear programs. North Korea was offered the prospect of normalized relations with Japan and the ed States, as well as economic cooperation in energy, trade, and investment. And the ed States affirmed that we have no nuclear weapons on the Korean Peninsula and no intention to attack or invade North Korea.Unfortunately, North Korea failed to act on its commitment. And with its actions this week, the North Korean regime has once again broken its word, provoked an international crisis, and denied its people the opportunity for a better life. We are working for a resolution to this crisis. Nations around the world, including our partners in the Six-Party Talks, agree on the need for a strong ed Nations Security Council resolution that will require North Korea to dismantle its nuclear programs. This resolution should also specify measures to prevent North Korea from importing or exporting nuclear or missile technologies. And it should prevent financial transactions or asset transfers that would help North Korea develop its nuclear or missile capabilities.By passing such a resolution, we will send a clear message to the North Korean regime that its actions will not be tolerated. And we will give the nations with the closest ties to North Korea -- China and South Korea -- a framework to use their leverage to pressure Pyongyang and persuade its regime to change course.As we pursue a diplomatic solution, we are also reassuring our allies in the region that America remains committed to their security. We have strong defense alliances with Japan and South Korea, and the ed States will meet these commitments. And in response to North Korea's provocation, we will seek to increase our defense cooperation with our allies, including cooperation on ballistic missile defense to protect against North Korean aggression, and cooperation to prevent North Korea from importing or exporting nuclear or missile technologies.Our goals remain clear: peace and security in Northeast Asia, and a nuclear-free Korean Peninsula. We will do what is necessary to achieve these goals. We will support our allies in the region, we will work with the ed Nations, and together we will ensure that North Korea faces real consequences if it continues down its current path.Thank you for listening. 200703/10705
  • Protecting Homeowners, Protecting the EconomyREMARKS BY THE PRESIDENTAT THE SIGNING OFTHE HELPING FAMILIES SAVE THEIR HOMES ACTAND THE FRAUD ENFORCEMENT AND RECOVERY ACTEast Room4:38 P.M. EDTTHE PRESIDENT: Good morning, everybody -- good afternoon. Please, everybody, have a seat. Everybody have a seat. It is wonderful to see all of you. Four months ago today, we took office amidst unprecedented economic turmoil. And ever since that day we've worked aggressively across all fronts to end this crisis and to build a new foundation for our lasting prosperity. Step by step, I believe we're moving in the right direction.I know my administration will be judged by various markers. But there's only one measure of progress that matters to me, and that's the progress that the American people see in their own lives, day to day, because right now, despite progress, too many Americans are hurting. They're Americans desperate to find a job, or unable to make ends meet despite working multiple jobs; Americans who pay their bills on time but can't keep their heads above water; Americans living in fear that they're one illness or one accident away from losing their home -- hardworking Americans who did all the right things, met all of their responsibilities, yet still find the American Dream slipping out of reach.Now, much of what caused this crisis was an era of recklessness where short-term gains were too often prized over long-term prosperity. And too often in our nation's capital, we said the right words, we patted ourselves on the back, but ultimately failed to do what we were actually sent here to do -- and that is to stand up to the special interests, and stand up for the American people. Well, standing up for the American people is exactly what we're doing here today with two bills that I'm about to sign -- The Helping Families Save Their Homes Act, and The Fraud Enforcement and Recovery Act. These landmark pieces of legislation will protect hardworking Americans, crack down on those who seek to take advantage of them, and ensure that the problems that led us to this crisis never happen again.Thanks in large part to some of the men and women here, both onstage as well as in the audience, each bill passed by overwhelmingly bipartisan majorities. But we wouldn't be here without the leadership of my good friend, Chris Dodd. And I want to thank him and Senator Richard Shelby. (Applause.) Chris and Richard Shelby over on the Senate side; and then on the House side, Chairman Barney Frank and Representative Maxine Waters -- have done a great job. (Applause.) And I want to thank Senators Patrick Leahy and Chuck Grassley, as well as Representatives Conyers and Bobby Scott for leading the way on the fraud enforcement bill. (Applause.)These two laws, together with the comprehensive credit card reforms that I hope to sign later this week, represent fundamental change that will help ensure a fair shake for hardworking Americans. And I think it's important for people to understand the significance of this week. This has been one of the most productive congressional work periods in some time. And I am grateful to have Harry Reid here, as well as Nancy Pelosi, who could not be here, and the other key members of Congress for assigning these measures the urgency that they deserve and that the times demand.Let me talk a little bit about the housing bill. The Helping Families Save Their Homes Act advances the goals of our existing housing plan by providing assistance to responsible homeowners and preventing avoidable foreclosures. Last summer, Congress passed the HOPE for Homeowners Act to help families who found themselves "underwater" as a result of declining home values -- families who owed more on their mortgages than their homes are worth. But too many administrative and technical hurdles made it very difficult to navigate, and most borrowers didn't even bother to try.This bill removes those hurdles, getting folks into sustainable and affordable mortgages, and more importantly, keeping them in their homes. And it expands the reach of our existing housing plan for homeowners with FHA or USDA rural housing loans, providing them with new opportunities to modify or refinance their mortgages to more affordable levels.Because many responsible renters are being unfairly evicted from homes that go through foreclosure because the owners haven't been paying their mortgages, it requires banks to honor existing leases, or provide at least 90 days notice for renters on month-to-month leases.05/70673
  • 演讲文本U.S. President's radio address (October 9,2004) US President George W. Bush THE PRESIDENT: Good morning. As your President, I have led this country with principle and resolve. We have confronted historic challenges and built a broad record of accomplishment. I have proposed and delivered four rounds of tax relief, and our economy is creating jobs again. We have added over 1.9 million jobs in the past 13 months, more than Germany, Japan, Great Britain, Canada and France combined. The unemployment rate is 5.4 percent, lower than the average rate of the 1970s, 1980s and 1990s. Thanks to our education reforms, math and ing scores are increasing in public schools. We have strengthened Medicare to help low-income seniors save money on their medicine. And soon every senior will have the option of prescription drug coverage. We have more to do. We will transform our systems of government to fit a changing world and to help more people realize the American Dream. We will expand health savings accounts and improve Social Security to allow younger workers to own a piece of their retirement. Because education is vital to our prosperity, we will raise expectations in public schools and invest in community colleges. And to make sure America is the best place in the world to do business and create jobs, we will cut regulations, end junk lawsuits, pass a sound energy policy and make tax relief permanent. Senator Kerry takes a very different approach to our economy. He was named the most liberal member of the ed States Senate, and that's a title he has earned. Over the past 20 years, Senator Kerry has voted to raise taxes 98 times. He opposed all our tax relief, and voted instead to squeeze an extra ,000 in taxes from the average middle class family. Now he's running on an agenda of higher taxes and higher spending and more government control over American life. My opponent wants to empower government. I want to use government to empower people. Since September the 11th, 2001, I have led a global campaign to protect the American people and bring our enemies to account. We have tripled spending on homeland security and passed the Patriot Act to help law enforcement and intelligence stop terrorists inside the ed States. We removed terror regimes in Afghanistan and Iraq, and now both nations are on the path to democracy. We shut down a black-market supplier of deadly weapons technology, and convinced Libya to give up its weapons of mass destruction programs. And more than three-quarters of al Qaeda's key members and associates have been detained or killed. In the middle of a war, Senator Kerry is proposing policies and doctrines that would weaken America and make the world more dangerous. He's proposed the Kerry doctrine, which would paralyze America by subjecting our national security decisions to a global test. He supports the International Criminal Court, where unaccountable foreign prosecutors could put American troops on trial in front of foreign judges. And after voting to send our troops into combat in Afghanistan and Iraq, he voted against the body armor and bullets they need to win. For all of Senator Kerry's shifting positions on Iraq, one thing is clear: If my opponent had his way, Saddam Hussein would be sitting in a palace today, not a prison, and Iraq would still be a danger to America. As chief weapons inspector Charles Duelfer testified this week, "Most senior members of the Saddam Hussein regime and scientists assumed that the programs would begin in earnest when sanctions ended, and sanctions were eroding." Instead, because our coalition acted, Iraq is free, America is safer, and the world will be more peaceful for our children and our grandchildren. I will keep this nation on the offensive against terrorists, with the goal of total victory. I will keep our economy moving, so every worker has a good job, quality health care and a secure retirement. Thank you for listening. 200603/5018
  • Good morning. Earlier this week, the government of North Korea proclaimed to the world that it had conducted a successful nuclear weapons test. In response to North Korea's provocative actions, America is working with our partners in the region and in the ed Nations Security Council to ensure that there are serious repercussions for the North Korean regime.North Korea has been pursuing nuclear weapons and defying its international commitments for years. In 1993, North Korea announced that it was withdrawing from the Nuclear Nonproliferation Treaty. The ed States negotiated with North Korea and reached a bilateral agreement in 1994: North Korea committed to giving up its pursuit of nuclear weapons in exchange for help with peaceful nuclear power.After I came to office, we discovered that North Korea had been violating this agreement for some time by continuing work on a covert nuclear weapons program. My administration confronted the North Korea regime with this evidence in 2002, and the North Koreans subsequently walked away from the 1994 agreement.So my Administration decided to take a new approach. We brought together other nations in the region in an effort to resolve the situation through multilateral diplomacy. The logic behind this approach is clear: North Korea's neighbors have the most at stake, and they are North Korea's principal sources of food, energy, and trade, so it makes sense to enlist them in the effort to get the North Korean regime to end its nuclear program.This diplomatic effort was called the Six-Party Talks, and these talks included North and South Korea, China, Japan, Russia and the ed States. In September of last year, these diplomatic efforts resulted in a wide-ranging Joint Statement that offered a resolution to the problem and a better life for the North Korean people. In this Joint Statement, North Korea committed to abandoning all nuclear weapons and existing nuclear programs. North Korea was offered the prospect of normalized relations with Japan and the ed States, as well as economic cooperation in energy, trade, and investment. And the ed States affirmed that we have no nuclear weapons on the Korean Peninsula and no intention to attack or invade North Korea.Unfortunately, North Korea failed to act on its commitment. And with its actions this week, the North Korean regime has once again broken its word, provoked an international crisis, and denied its people the opportunity for a better life. We are working for a resolution to this crisis. Nations around the world, including our partners in the Six-Party Talks, agree on the need for a strong ed Nations Security Council resolution that will require North Korea to dismantle its nuclear programs. This resolution should also specify measures to prevent North Korea from importing or exporting nuclear or missile technologies. And it should prevent financial transactions or asset transfers that would help North Korea develop its nuclear or missile capabilities.By passing such a resolution, we will send a clear message to the North Korean regime that its actions will not be tolerated. And we will give the nations with the closest ties to North Korea -- China and South Korea -- a framework to use their leverage to pressure Pyongyang and persuade its regime to change course.As we pursue a diplomatic solution, we are also reassuring our allies in the region that America remains committed to their security. We have strong defense alliances with Japan and South Korea, and the ed States will meet these commitments. And in response to North Korea's provocation, we will seek to increase our defense cooperation with our allies, including cooperation on ballistic missile defense to protect against North Korean aggression, and cooperation to prevent North Korea from importing or exporting nuclear or missile technologies.Our goals remain clear: peace and security in Northeast Asia, and a nuclear-free Korean Peninsula. We will do what is necessary to achieve these goals. We will support our allies in the region, we will work with the ed Nations, and together we will ensure that North Korea faces real consequences if it continues down its current path.Thank you for listening. 200703/10705
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