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