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