SPEAKER INDEX CONTENTS INSERTS CLEMENTS 69 74 75 78 DOUGLAS 20 21 29 31 32 36 39 40 41 43 44 45 46 47 48 49 50 51 52 53 55 58 60 GLASS 98 GOODE 12 HENDRICKS 101 102 109 111 112 113 118 KELLY 12 58 59 60 KILPATRICK 52 53 54 55 56 57 LAFALCE 5 12 31 32 33 34 35 36 76 77 78 79 80 81 102 109 111 112 113 114 LAZIO 46 48 49 51 52 LEACH 1 8 11 12 20 21 26 29 30 38 41 46 51 52 57 61 62 65 69 73 74 75 76 81 84 85 89 93 94 97 101 105 108 114 120 LEE 81 83 84 85 MCCLAIN 93 94 114 115 119 MELNIKOFF 90 115 ROUKEMA 8 38 40 SCHRADER 106 116 117 SCHWEITZER 13 27 31 32 33 34 35 36 40 41 44 50 53 54 55 56 57 59 60 SHERMAN 89 THOMPSON 62 74 78 79 80 83 84 85 86 87 VENTO 9 42 43 44 45 46 85 87 88 114 115 116 117 118 119 WILLIAMS 65 73 75 76 77 78 79 80 82 83 85 88 CONTENTS SPEAKERS INSERTS STATEMENT OF AL SCHWEITZER, PRIVATE INVESTIGATOR AND SECURITY CONSULTANT, BOULDER, COLORADO PAGE 13 STATEMENT OF ROBERT DOUGLAS, PRESIDENT, DOUGLAS INVESTIGATIONS, ALEXANDRIA, VA PAGE 20 STATEMENT OF MOZELLE W. THOMPSON, COMMISSIONER, FEDERAL TRADE COMMISSION PAGE 62 STATEMENT OF HON. JULIE L. WILLIAMS, ACTING COMPTROLLER OF THE CURRENCY PAGE 65 STATEMENT OF JEFF CLEMENTS, ASSISTANT ATTORNEY GENERAL, COMMONWEALTH OF MASSACHUSETTS PAGE 69 STATEMENT OF BORIS F. MELNIKOFF, SENIOR VICE PRESIDENT, WACHOVIA CORPORATION, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 90 STATEMENT OF EDDY L. McCLAIN, MEMBER, BOARD OF DIRECTORS, NATIONAL COUNCIL OF INVESTIGATION AND SECURITY SERVICES PAGE 93 STATEMENT OF ROBERT GLASS, VICE PRESIDENT OF NATIONAL INFORMATION SERVICES, LEXIS-NEXIS, ON BEHALF OF THE INDIVIDUAL REFERENCE SERVICES GROUP PAGE 98 STATEMENT OF EVAN HENDRICKS, EDITOR AND PUBLISHER, ''PRIVACY TIMES'' PAGE 101 STATEMENT OF RUSSELL SCHRADER, SENIOR VICE PRESIDENT AND ASSISTANT GENERAL COUNSEL, VISA U.S.A., INC. PAGE 106 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING