SPEAKER INDEX CONTENTS INSERTS BACHUS 4 26 27 28 29 30 60 61 62 63 64 65 BEALES 17 22 24 25 26 27 28 32 33 34 BRADY 51 60 61 64 78 CADDIGAN 12 20 21 23 28 30 35 36 FARNAN 14 21 22 28 29 34 FOSSELLA 78 GUTIERREZ 3 23 24 25 HENDRICKS 54 57 58 63 67 73 74 HOOLEY 10 31 32 33 34 KELLY 1 4 6 7 10 11 14 17 20 21 22 23 26 30 31 34 37 38 42 48 51 53 58 59 60 65 66 72 76 78 79 MCCARTHY 7 MCINTYRE 39 59 61 62 63 66 67 69 70 72 73 74 75 76 77 MITNICK 42 59 65 68 69 74 75 MOORE 7 76 77 PRATT 48 62 64 65 68 69 72 RENZI 34 35 36 72 74 75 SHADEGG 7 34 37 66 67 68 69 70 72 CONTENTS SPEAKERS INSERTS STATEMENT OF TIM CADDIGAN, SPECIAL AGENT IN CHARGE, FINANCIAL CRIMES DIVISION, UNITED STATES SECRET SERVICE, ACCOMPANIED BY ROBERT WEAVER, DEPUTY SPECIAL AGENT IN CHARGE, NEW YORK FIELD OFFICE PAGE 11 STATEMENT OF JAMES FARNAN, DEPUTY ASSISTANT DIRECTOR, CYBER DIVISION, FBI PAGE 14 STATEMENT OF J. HOWARD BEALES, III, DIRECTOR, BUREAU OF CONSUMER PROTECTION, FEDERAL TRADE COMMISSION PAGE 17 STATEMENT OF DAVID J. MCINTYRE, JR., PRESIDENT AND CEO, TRIWEST HEALTHCARE ALLIANCE PAGE 39 STATEMENT OF KEVIN D. MITNICK, PRESIDENT AND CO-FOUNDER, DEFENSIVE THINKING PAGE 42 STATEMENT OF STUART PRATT, PRESIDENT CONSUMER DATA INDUSTRY ASSOCIATION PAGE 48 STATEMENT OF JOHN J. BRADY, VICE PRESIDENT, MERCHANT FRAUD CONTROL, MASTERCARD INTERNATIONAL PAGE 51 STATEMENT OF EVAN HENDRICKS, EDITOR AND PUBLISHER, ''PRIVACY TIMES'' PAGE 54 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING