Today the major reforms of the Credit Card Accountability Responsibility and Disclosure Act that I signed into law last spring take effect, marking a significant turning point for American consumers.

For too long, credit card companies have had free rein to employ deceptive, unfair tactics that hit responsible consumers with unreasonable costs.

The truth is, the reason it worked is because of some very tough choices that many of you made.

We still have photographs of some of you that we may use at any point.

But it's not just Californians who are being hit by rate hikes.

I don't want to see this meeting turn into political theater.

It's good to be back in Nevada.

We ran to solve problems that folks like you are facing every single day.

This is your opportunity to show me why your school exemplifies the best that our education system has to offer.

Public schools that encourage systemic reform and embrace effective approaches to teaching and learning help prepare America's students to graduate ready for college and a career, and enable them to out-compete any worker, anywhere in the…

That won't work. It will not work in this global economy, not in this environment.

Government can't stop every foreclosure.

I love Vegas!

During these difficult economic times, we will work to help responsible homeowners stay in their homes and stabilize the housing market so home values can rise.

Good luck - and thank you for doing your part to help make our students the best and brightest in the world.

We helped shore up the American auto industry.

America leads.

Love Vegas. Enjoy myself every time I've got an opportunity to visit. In fact, just last night I drew a flush on the River and cut the budget deficit in half.