Barack Obama actually said...

"These new rules don't absolve consumers of their obligation to pay their bills, but they finally level the playing field so that every family and small business using a credit card has the information..."

"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."

"Educating every American student to graduate prepared for college and for success in a new workforce is a national imperative."

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