SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      6     10     12     13     18     21     22     23  
                24     25     44     48     51     52     53     54     55  
                56     57     61     65     66     67  
BARR            29     31     34     35     36     42  
BARR: [PRESIDING]    28  
BEALES          14     22     24     25     29     30     34     35     36  
BYRD            42     44     60     61     63  
GILLES          37     52     53     58     59     62     65  
HARPER          45     56     64  
JONES           10     29     31     61     62     63     64  
MALONEY          5     34     35  
SAUNDERS        48     53     54     55     56  
SMITH           18     22     23     24     26     27     31     32     33  
                36  
WATERS           6     25     26     27     28  
WATT            10     31     32     33     34     57     58     59     60  
                61  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HOWARD BEALES, DIRECTOR, BUREAU OF CONSUMER PROTECTION, FEDERAL TRADE COMMISSION
                                                                 PAGE    14

STATEMENT OF DOLORES S. SMITH, DIRECTOR, DIVISION OF CONSUMER AFFAIRS, BOARD OF GOVERNORS, FEDERAL 
RESERVE SYSTEM
                                                                 PAGE    18

STATEMENT OF DAVID J. GILLES, ASSISTANT ATTORNEY GENERAL, WISCONSIN DEPARTMENT OF JUSTICE
                                                                 PAGE    37

STATEMENT OF JAMES E. BYRD, OWNER, BYRD'S TV SALES, SERVICE AND RENTAL, FLORENCE, SC
                                                                 PAGE    42

STATEMENT OF MANUELA S. HARPER, SECRETARY, BOARD OF DIRECTORS, ASSOCIATION FOR PROGRESSIVE RENTAL 
ORGANIZATIONS, ON BEHALF OF THE RENT-TO-OWN INDUSTRY
                                                                 PAGE    45

STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER 
                                                                 PAGE    48


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING