SPEAKER INDEX CONTENTS INSERTS BUCKLEY 21 22 38 47 CROCKER 17 46 47 48 49 57 GRUCCI 40 HARRINGTON 8 36 HART 51 HINOJOSA 40 41 42 43 53 54 55 INSLEE 35 KING 1 4 6 7 13 17 21 22 26 31 34 35 36 37 39 40 43 51 53 54 56 57 MALONEY 3 6 35 43 44 45 46 47 48 49 51 OXLEY 5 ROE 13 14 37 45 46 ROSENTHAL 27 37 44 45 48 56 SAUNDERS 32 39 40 41 42 50 54 55 CONTENTS SPEAKERS INSERTS STATEMENT OF EILEEN HARRINGTON, ASSOCIATE DIRECTOR FOR MARKETING PRACTICES, FEDERAL TRADE COMMISSION BUREAU OF CONSUMER PROTECTION PAGE 8 STATEMENT OF CHRISTOPHER ROE, VICE PRESIDENT, FIREMAN'S FUND INSURANCE COMPANIES, ON BEHALF OF THE AMERICAN INSURANCE ASSOCIATION PAGE 13 STATEMENT OF THOMAS E. CROCKER, PARTNER, ALSTON & BIRD, LLP PAGE 17 STATEMENT OF JEREMIAH S. BUCKLEY, PARTNER, GOODWIN PROCTOR; GENERAL COUNSEL, THE ELECTRONIC FINANCIAL SERVICES COUNCIL PAGE 21 STATEMENT OF LOUIS F. ROSENTHAL, EXECUTIVE VICE PRESIDENT, ABN AMRO NORTH AMERICA, INC., ON BEHALF OF THE FINANCIAL SERVICES ROUNDTABLE AND BITS PAGE 26 STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER; ON BEHALF OF THE CONSUMER FEDERATION OF AMERICA, CONSUMERS UNION, AND THE U.S. PUBLIC INTEREST RESEARCH GROUP PAGE 31 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING