SPEAKER INDEX CONTENTS INSERTS BOND 16 35 37 38 49 50 52 53 54 BOVBJERG 15 27 40 41 47 48 BRADY 43 44 45 46 47 48 49 CARDIN 8 DUGAN 73 90 98 100 HENDRICKS 82 89 99 101 HILLMAN 32 42 43 HOOLEY 12 50 51 52 53 54 97 98 99 HUSE 20 35 36 38 39 44 46 47 48 49 50 51 53 57 INSLEE 11 KELLY 2 31 32 33 34 35 36 37 38 39 41 42 43 59 64 65 69 73 77 81 82 86 87 88 89 91 97 100 101 LEHNER 65 97 100 PRATT 60 64 87 91 92 93 94 95 96 98 100 ROTENBERG 78 87 88 101 RYAN 59 SADAKA 59 69 96 100 101 SHAW 5 11 14 15 20 23 27 49 50 54 56 57 58 59 91 92 93 94 95 96 97 STRECKEWALD 24 32 33 34 38 45 53 55 56 57 58 TIBERI 11 WELDON 11 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. PHILIP J. BOND, UNDER SECRETARY FOR TECHNOLOGY, U.S. DEPARTMENT OF COMMERCE PAGE 16 STATEMENT OF HON. JAMES G. HUSE, JR., INSPECTOR GENERAL, SOCIAL SECURITY ADMINISTRATION PAGE 20 STATEMENT OF FRITZ STRECKEWALD, ACTING ASSISTANT DEPUTY COMMISSIONER FOR DISABILITY AND INCOME SECURITY PROGRAMS, SOCIAL SECURITY ADMINISTRATION PAGE 24 STATEMENT OF BARBARA D. BOVBJERG, DIRECTOR, EDUCATION, WORKFORCE AND INCOME SECURITY ISSUES; AND RICHARD J. HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT ISSUES, GENERAL ACCOUNTING OFFICE PAGE 27 STATEMENT OF STUART K. PRATT, VICE PRESIDENT FOR GOVERNMENT RELATIONS, ASSOCIATED CREDIT BUREAUS, INC. PAGE 60 STATEMENT OF THOMAS J. LEHNER, EXECUTIVE VICE PRESIDENT FOR GOVERNMENT AFFAIRS, AMERICAN FINANCIAL SERVICES ASSOCIATION PAGE 65 STATEMENT OF THOMAS A. SADAKA, SPECIAL COUNSEL, OFFICE OF STATEWIDE PROSECUTION, ORLANDO, FL PAGE 69 STATEMENT OF JOHN C. DUGAN, PARTNER, COVINGTON & BURLING, ON BEHALF OF THE FINANCIAL SERVICES COORDINATING COUNCIL PAGE 73 STATEMENT OF MARC ROTENBERG, EXECUTIVE DIRECTOR, ELECTRONIC PRIVACY INFORMATION CENTER; ADJUNCT PROFESSOR, GEORGETOWN UNIVERSITY LAW CENTER PAGE 78 STATEMENT OF EVAN HENDRICKS, EDITOR AND PUBLISHER, PRIVACY TIMES PAGE 82 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING