判断题The collection industry is losing money because of stricter federal and state regulations on their practices.A 对B 错

On a five to three vote,the Supreme Court knocked out much of Arizona’s immigration law Monday-a modest policy victory for the Obama Administration.But on the more important matter of the Constitution,the decision was an 8-0 defeat for the Administration’s effort to upset the balance of power between the federal government and the states.In Arizona v.United States,the majority overturned three of the four contested provisions of Arizona’s controversial plan to have state and local police enforce federal immigration law.The Constitutional principles that Washington alone has the power to“establish a uniform Rule of Naturalization”and that federal laws precede state laws are noncontroversial.Arizona had attempted to fashion state policies that ran parallel to the existing federal ones.Justice Anthony Kennedy,joined by Chief Justice John Roberts and the Court’s liberals,ruled that the state flew too close to the federal sun.On the overturned provisions the majority held the congress had deliberately“occupied the field”and Arizona had thus intruded on the federal’s privileged powers.However,the Justices said that Arizona police would be allowed to verify the legal status of people who come in contact with law enforcement.That’s because Congress has always envisioned joint federal-state immigration enforcement and explicitly encourages state officers to share information and cooperate with federal colleagues.Two of the three objecting Justice-Samuel Alito and Clarence Thomas-agreed with this Constitutional logic but disagreed about which Arizona rules conflicted with the federal statute.The only major objection came from Justice Antonin Scalia,who offered an even more robust defense of state privileges going back to the alien and Sedition Acts.The 8-0 objection to President Obama turns on what Justice Samuel Alito describes in his objection as“a shocking assertion assertion of federal executive power”.The White House argued that Arizona’s laws conflicted with its enforcement priorities,even if state laws complied with federal statutes to the letter.In effect,the White House claimed that it could invalidate any otherwise legitimate state law that it disagrees with.Some powers do belong exclusively to the federal government,and control of citizenship and the borders is among them.But if Congress wanted to prevent states from using their own resources to check immigration status,it could.It never did so.The administration was in essence asserting that because it didn’t want to carry out Congress’s immigration wishes,no state should be allowed to do so either.Every Justice rightly rejected this remarkable claim.
It can be inferred from Paragraph 5 that the Alien and Sedition Acts

A.violated the Constitution.
B.undermined the states’interests.
C.supported the federal statute.
D.stood in favor of the states.

On a five to three vote,the Supreme Court knocked out much of Arizona’s immigration law Monday-a modest policy victory for the Obama Administration.But on the more important matter of the Constitution,the decision was an 8-0 defeat for the Administration’s effort to upset the balance of power between the federal government and the states.In Arizona v.United States,the majority overturned three of the four contested provisions of Arizona’s controversial plan to have state and local police enforce federal immigration law.The Constitutional principles that Washington alone has the power to“establish a uniform Rule of Naturalization”and that federal laws precede state laws are noncontroversial.Arizona had attempted to fashion state policies that ran parallel to the existing federal ones.Justice Anthony Kennedy,joined by Chief Justice John Roberts and the Court’s liberals,ruled that the state flew too close to the federal sun.On the overturned provisions the majority held the congress had deliberately“occupied the field”and Arizona had thus intruded on the federal’s privileged powers.However,the Justices said that Arizona police would be allowed to verify the legal status of people who come in contact with law enforcement.That’s because Congress has always envisioned joint federal-state immigration enforcement and explicitly encourages state officers to share information and cooperate with federal colleagues.Two of the three objecting Justice-Samuel Alito and Clarence Thomas-agreed with this Constitutional logic but disagreed about which Arizona rules conflicted with the federal statute.The only major objection came from Justice Antonin Scalia,who offered an even more robust defense of state privileges going back to the alien and Sedition Acts.The 8-0 objection to President Obama turns on what Justice Samuel Alito describes in his objection as“a shocking assertion assertion of federal executive power”.The White House argued that Arizona’s laws conflicted with its enforcement priorities,even if state laws complied with federal statutes to the letter.In effect,the White House claimed that it could invalidate any otherwise legitimate state law that it disagrees with.Some powers do belong exclusively to the federal government,and control of citizenship and the borders is among them.But if Congress wanted to prevent states from using their own resources to check immigration status,it could.It never did so.The administration was in essence asserting that because it didn’t want to carry out Congress’s immigration wishes,no state should be allowed to do so either.Every Justice rightly rejected this remarkable claim.
What can be learned from the last paragraph?

A.Immigration issues are usually decided by Congress.
B.Justices intended to check the power of the Administrstion.
C.Justices wanted to strengthen its coordination with Congress.
D.The Administration is dominant over immigration issues.

On a five to three vote,the Supreme Court knocked out much of Arizona’s immigration law Monday-a modest policy victory for the Obama Administration.But on the more important matter of the Constitution,the decision was an 8-0 defeat for the Administration’s effort to upset the balance of power between the federal government and the states.In Arizona v.United States,the majority overturned three of the four contested provisions of Arizona’s controversial plan to have state and local police enforce federal immigration law.The Constitutional principles that Washington alone has the power to“establish a uniform Rule of Naturalization”and that federal laws precede state laws are noncontroversial.Arizona had attempted to fashion state policies that ran parallel to the existing federal ones.Justice Anthony Kennedy,joined by Chief Justice John Roberts and the Court’s liberals,ruled that the state flew too close to the federal sun.On the overturned provisions the majority held the congress had deliberately“occupied the field”and Arizona had thus intruded on the federal’s privileged powers.However,the Justices said that Arizona police would be allowed to verify the legal status of people who come in contact with law enforcement.That’s because Congress has always envisioned joint federal-state immigration enforcement and explicitly encourages state officers to share information and cooperate with federal colleagues.Two of the three objecting Justice-Samuel Alito and Clarence Thomas-agreed with this Constitutional logic but disagreed about which Arizona rules conflicted with the federal statute.The only major objection came from Justice Antonin Scalia,who offered an even more robust defense of state privileges going back to the alien and Sedition Acts.The 8-0 objection to President Obama turns on what Justice Samuel Alito describes in his objection as“a shocking assertion assertion of federal executive power”.The White House argued that Arizona’s laws conflicted with its enforcement priorities,even if state laws complied with federal statutes to the letter.In effect,the White House claimed that it could invalidate any otherwise legitimate state law that it disagrees with.Some powers do belong exclusively to the federal government,and control of citizenship and the borders is among them.But if Congress wanted to prevent states from using their own resources to check immigration status,it could.It never did so.The administration was in essence asserting that because it didn’t want to carry out Congress’s immigration wishes,no state should be allowed to do so either.Every Justice rightly rejected this remarkable claim
The White House claims that its power of enforcement

A.outweighs that held by the states.
B.is dependent on the states’support.
C.is established by federal statutes.
D.rarely goes against state laws.

Three provisions of Arizona’s plan were overturned because they( )

A.deprived the federal police of Constitutional powers
B.disturbed the power balance between different states
C.overstepped the authority of federal immigration law
D.contradicted both the federal and state policies

On a five to three vote,the Supreme Court knocked out much of Arizona’s immigration law Monday-a modest policy victory for the Obama Administration.But on the more important matter of the Constitution,the decision was an 8-0 defeat for the Administration’s effort to upset the balance of power between the federal government and the states.In Arizona v.United States,the majority overturned three of the four contested provisions of Arizona’s controversial plan to have state and local police enforce federal immigration law.The Constitutional principles that Washington alone has the power to“establish a uniform Rule of Naturalization”and that federal laws precede state laws are noncontroversial.Arizona had attempted to fashion state policies that ran parallel to the existing federal ones.Justice Anthony Kennedy,joined by Chief Justice John Roberts and the Court’s liberals,ruled that the state flew too close to the federal sun.On the overturned provisions the majority held the congress had deliberately“occupied the field”and Arizona had thus intruded on the federal’s privileged powers.However,the Justices said that Arizona police would be allowed to verify the legal status of people who come in contact with law enforcement.That’s because Congress has always envisioned joint federal-state immigration enforcement and explicitly encourages state officers to share information and cooperate with federal colleagues.Two of the three objecting Justice-Samuel Alito and Clarence Thomas-agreed with this Constitutional logic but disagreed about which Arizona rules conflicted with the federal statute.The only major objection came from Justice Antonin Scalia,who offered an even more robust defense of state privileges going back to the alien and Sedition Acts.The 8-0 objection to President Obama turns on what Justice Samuel Alito describes in his objection as“a shocking assertion assertion of federal executive power”.The White House argued that Arizona’s laws conflicted with its enforcement priorities,even if state laws complied with federal statutes to the letter.In effect,the White House claimed that it could invalidate any otherwise legitimate state law that it disagrees with.Some powers do belong exclusively to the federal government,and control of citizenship and the borders is among them.But if Congress wanted to prevent states from using their own resources to check immigration status,it could.It never did so.The administration was in essence asserting that because it didn’t want to carry out Congress’s immigration wishes,no state should be allowed to do so either.Every Justice rightly rejected this remarkable claim.
On which of the following did the Justices agree,according to Paragraph4?

A.Federal officers’duty to withhold immigrants’information.
B.States’independence from federal immigration law.
C.States’legitimate role in immigration enforcement.
D.Congress’s intervention in immigration enforcement.

On a five to three vote,the Supreme Court knocked out much of Arizona’s immigration law Monday-a modest policy victory for the Obama Administration.But on the more important matter of the Constitution,the decision was an 8-0 defeat for the Administration’s effort to upset the balance of power between the federal government and the states.In Arizona v.United States,the majority overturned three of the four contested provisions of Arizona’s controversial plan to have state and local police enforce federal immigration law.The Constitutional principles that Washington alone has the power to“establish a uniform Rule of Naturalization”and that federal laws precede state laws are noncontroversial.Arizona had attempted to fashion state policies that ran parallel to the existing federal ones.Justice Anthony Kennedy,joined by Chief Justice John Roberts and the Court’s liberals,ruled that the state flew too close to the federal sun.On the overturned provisions the majority held the congress had deliberately“occupied the field”and Arizona had thus intruded on the federal’s privileged powers.However,the Justices said that Arizona police would be allowed to verify the legal status of people who come in contact with law enforcement.That’s because Congress has always envisioned joint federal-state immigration enforcement and explicitly encourages state officers to share information and cooperate with federal colleagues.Two of the three objecting Justice-Samuel Alito and Clarence Thomas-agreed with this Constitutional logic but disagreed about which Arizona rules conflicted with the federal statute.The only major objection came from Justice Antonin Scalia,who offered an even more robust defense of state privileges going back to the alien and Sedition Acts.The 8-0 objection to President Obama turns on what Justice Samuel Alito describes in his objection as“a shocking assertion assertion of federal executive power”.The White House argued that Arizona’s laws conflicted with its enforcement priorities,even if state laws complied with federal statutes to the letter.In effect,the White House claimed that it could invalidate any otherwise legitimate state law that it disagrees with.Some powers do belong exclusively to the federal government,and control of citizenship and the borders is among them.But if Congress wanted to prevent states from using their own resources to check immigration status,it could.It never did so.The administration was in essence asserting that because it didn’t want to carry out Congress’s immigration wishes,no state should be allowed to do so either.Every Justice rightly rejected this remarkable claim.
Three provisions of Arizona’s plan were overturned because they

A.deprived the federal police of Constitutional powers.
B.disturbed the power balance between different states.
C.overstepped the authority of federal immigration law.
D.contradicted both the federal and state policies.

资料：（二）
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosureafter their husbands died.
Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.
Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,“sad Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.

Which is true about the problem of reverse mortgage?

A.Some lenders are unwilling to lend money to seniors.
B.The borrowers cannot pay back the money as expected.
C.Federal and state regulators are documenting the objection.
D.Some lenders go bankrupt.