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