SPEAKER INDEX    Segment 1 of 2    Next Segment (2)
CONTENTS   INSERTS   
BARSNESS        51     70     71     72     73     77     78     80     81  
                82  
BARTON          60     75  
BENTSEN         42     44     45     81     82     83     84    102    103  
               104    106  
BRICE           92    100    102    103    107    110  
CATE            27     33     41     46  
CLAYTON         25     32     36     40     47     48  
CONNELLY        63  
CULNAN          21     32     33     37     39     45     46     48  
DAVIS           54     68     69     79     82     84  
GONZALEZ        15     38     41     42     75     76     77    106    107  
INSLEE          13     45     46     47     48     77     80     81     99  
               100    101    102  
KLOIBER         57     73     74     76  
LAFALCE         10  
LEACH           42  
LITAN           18     31     35     38     44     45     46     48  
LUCAS           50  
MIERZWINSKI    85     86     97    100    101    102    103    106    107  
               108    109  
MOORE           12    107  
ROTENBERG       89     98    100    101    102    103    104    107    109  
ROUKEMA          1     10     12     13     15     16     21     24     27  
                30     32     33     34     37     44     45     48     49  
                50     54     57     60     63     67     69     70     73  
                75     76     77     81     83     84     85     88     91  
                95     99    102    106    107    108    109    110    111  
VENTO            5     34     35     36     37     38     40     49     71  
                72     73     74     75     95     97     98    110  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF ROBERT E. LITAN, DIRECTOR OF ECONOMIC STUDY, BROOKINGS INSTITUTION
                                                                 PAGE    18

STATEMENT OF DR. MARY J. CULNAN, PROFESSOR, THE McDONOUGH SCHOOL OF BUSINESS, GEORGETOWN 
UNIVERSITY, WASHINGTON DC
                                                                 PAGE    21

STATEMENT OF GARY E. CLAYTON, PRESIDENT AND CEO, THE PRIVACY COUNCIL
                                                                 PAGE    24

STATEMENT OF FRED H. CATE, PROFESSOR OF LAW, HARRY T. ICE FACULTY FELLOW,  AND DIRECTOR OF 
INFORMATION LAW AND COMMERCE INSTITUTE, INDIANA UNIVERSITY SCHOOL OF LAW, BLOOMINGTON, IN
                                                                 PAGE    27

STATEMENT OF ROBERT N. BARSNESS, CHAIRMAN AND PRESIDENT, PRIOR LAKE STATE BANK, PRIOR LAKE, MN
                                                                 PAGE    51

STATEMENT OF ROBERT R. DAVIS, DIRECTOR OF GOVERNMENT RELATIONS, AMERICA'S COMMUNITY BANKERS, 
WASHINGTON, DC.
                                                                 PAGE    54

STATEMENT OF MICHAEL D. KLOIBER, PRESIDENT AND CEO, TINKER FEDERAL CREDIT UNION, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS
                                                                 PAGE    57

STATEMENT OF RICHARD A. BARTON, SENIOR VICE PRESIDENT FOR CONGRESSIONAL RELATIONS, THE DIRECT 
MARKETING ASSOCIATION
                                                                 PAGE    60

STATEMENT OF D. BARRY CONNELLY, PRESIDENT, ASSOCIATED CREDIT BUREAUS, INC., WASHINGTON, DC
                                                                 PAGE    63

STATEMENT OF EDMUND MIERZWINSKI, CONSUMER PROGRAM DIRECTOR, U.S. PUBLIC INTEREST RESEARCH GROUP
                                                                 PAGE    86

STATEMENT OF MARC ROTENBERG, DIRECTOR, ELECTRONIC PRIVACY INFORMATION CENTER, WASHINGTON, DC
                                                                 PAGE    89

STATEMENT OF JACK BRICE, MEMBER, AARP BOARD OF DIRECTORS, DECATUR, GA
                                                                 PAGE    92


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING