SPEAKER INDEX CONTENTS INSERTS BARRETT 11 15 BENTSEN 9 34 35 36 37 38 39 58 70 71 72 108 109 110 111 112 114 137 138 139 140 141 142 143 144 BROBECK 122 128 133 139 HELWIG 74 82 96 97 101 102 113 HINCHEY 65 66 69 71 72 KATEN 76 92 104 109 113 KELLY 8 KILPATRICK 40 41 42 43 44 45 LAFALCE 46 47 48 49 50 51 LIVELY 117 125 126 127 128 129 130 131 132 133 134 136 138 140 141 143 144 145 146 147 LUCAS 11 MALONEY 53 55 56 MEIER 75 89 96 102 103 109 110 111 MEYER 20 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 54 55 56 57 58 59 60 61 62 63 64 ROUKEMA 1 6 7 9 10 11 14 18 19 20 26 27 28 29 30 34 40 46 51 52 56 63 64 66 68 69 70 73 75 76 78 81 82 85 89 91 93 94 95 96 97 98 102 106 107 108 111 112 114 116 122 125 126 127 128 131 132 133 134 135 SCHRADER 79 82 94 95 97 100 104 105 107 112 VENTO 5 6 18 30 31 32 33 34 42 55 56 57 58 59 60 61 62 63 69 98 100 101 102 103 104 105 106 107 108 114 115 116 127 128 129 130 131 133 134 135 136 137 142 144 145 146 147 YINGLING 86 92 93 94 103 106 111 113 114 115 116 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. FRANK D. LUCAS, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OKLAHOMA PAGE 11 STATEMENT OF HON. THOMAS M. BARRETT, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF WISCONSIN PAGE 14 STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 20 STATEMENT OF HON. MAURICE D. HINCHEY, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NEW YORK PAGE 65 STATEMENT OF IRENE KATEN, VICE PRESIDENT OF BUSINESS MANAGEMENT, U.S. DEPOSIT ACCESS, MASTERCARD INTERNATIONAL PAGE 75 STATEMENT OF RUSSELL W. SCHRADER, SENIOR COUNSEL AND VICE PRESIDENT, VISA U.S.A., INC. PAGE 78 STATEMENT OF KURT HELWIG, EXECUTIVE DIRECTOR, ELECTRONIC FUNDS TRANSFER ASSOCIATION PAGE 82 STATEMENT OF EDWARD YINGLING, EXECUTIVE DIRECTOR, GOVERNMENT RELATIONS, AMERICAN BANKERS ASSOCIATION PAGE 86 STATEMENT OF MICHELLE MEIER, COUNSEL FOR GOVERNMENT AFFAIRS, CONSUMERS UNION PAGE 89 STATEMENT OF H. RANDOLPH LIVELY, JR., PRESIDENT AND CEO, AMERICAN FINANCIAL SERVICES ASSOCIATION PAGE 117 STATEMENT OF STEVEN BROBECK, EXECUTIVE DIRECTOR, CONSUMER FEDERATION OF AMERICA PAGE 122 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING