SPEAKER INDEX    CONTENTS   INSERTS   
ARADER          78     79    102    103    109  
BARNES          62    106    108  
CANNON          20     25     32     37     38  
FORD            25     26     33     34     36  
KELLY           10     25     32     34     35     36  
LARSEN          73     90     91     92     94     98  
MALONEY          8     95     97     98     99    101    102    110    111  
MIERZWINSKI    68     96     99  
PRATT           58     87     88     90     93     98    100    101    104  
               110  
ROUKEMA          1     10     12     14     19     20     24     25     26  
                31     37     38     45     47     48     50     51     52  
                57     62     67     73     78     86     87     88     89  
                90     91     92     94     95    103    104    106    108  
               109    110    111  
SCHUMER         13     14     20  
ST. JOHN        53     89     95     96    102  
TWOHIG          40     46     47     49     50     51     52  
WATT            52  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. CHARLES E. SCHUMER, A SENATOR FROM THE STATE OF NEW YORK
                                                                 PAGE    14

STATEMENT OF HON. CHRIS CANNON, A MEMBER OF THE HOUSE OF REPRESENTATIVES FROM THE STATE OF UTAH
                                                                 PAGE    20

STATEMENT OF HON. HAROLD E. FORD JR., A MEMBER OF THE HOUSE OF REPRESENTATIVES FROM THE STATE OF 
TENNESSEE
                                                                 PAGE    26

STATEMENT OF PEGGY TWOHIG, ASSISTANT DIRECTOR, DIVISION OF FINANCIAL PRACTICES, FEDERAL TRADE 
COMMISSION
                                                                 PAGE    40

STATEMENT OF CHERYL ST. JOHN, SENIOR VICE PRESIDENT AND GENERAL MANAGER, GLOBAL DATA REPOSITORY 
AND PROCESSOR ALLIANCES, FAIR, ISAAC AND COMPANY, INC.
                                                                 PAGE    53

STATEMENT OF STUART K. PRATT, VICE PRESIDENT, ASSOCIATED CREDIT BUREAUS, INC., WASHINGTON, DC
                                                                 PAGE    58

STATEMENT OF MS. JAN N. BARNES, ASSOCIATE BROKER, LEXINGTON PARK, MD, ON BEHALF OF THE NATIONAL 
ASSOCIATION OF REALTORS 
                                                                 PAGE    62

STATEMENT OF EDMUND MIERZWINSKI, CONSUMER PROGRAM DIRECTOR, U.S. PUBLIC INTEREST RESEARCH GROUP
                                                                 PAGE    68

STATEMENT OF CHRIS LARSEN, CEO, E-LOAN, INC.
                                                                 PAGE    73

STATEMENT OF ALEXANDER J. ARADER, PRESIDENT, ARADER & O'ROURKE, INC.
                                                                 PAGE    79


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING