SPEAKER INDEX    CONTENTS   INSERTS   
ACKERMAN        92     93     94     95     96     97    141    142    144  
BACHUS           8     41     42     43     48     52     55     58     61  
                65     69     70     71     73     79  
BELEW          119    139  
BELL           122    140  
BIGGERT         79     80     81     83  
BROBECK         58     74     75     76     81     85     86     90    106  
               109    117  
CHAIRMAN         1      8      9     12     13     15     18     19     20  
                22     26     28     29     30     32     35     36     39  
                40     41     43     45     46     47     48  
DUGAN           61     71    117  
DUNCAN          49     77     97    112    118  
EMANUEL         39     40  
FISCHER        134    137    138  
FRANK            4     20     22     29     30     73     74     75     76  
                77     78  
GILLMOR         90     92     98    101    102    103    109    113    117  
               119    122  
HENSARLING      36     37     38     84    109    112    113  
HOOFNAGLE      131  
INSLEE         113    116    117    118  
KELLY           23     24     25     26     90     92  
LEE             32     33     34     35     36    103    104    105    106  
               107    108    109  
MCENENEY        52     80     81     88     89     98    100    101    108  
               109    115    116  
MOORE           47     48  
MURIS           15     20     22     24     27     28     29     31     35  
                36     37     38     42  
PRATT           66     69     70     71     78     82     83     89     91  
                92     93     94    103    104    105    106    110    113  
ROYCE           46     47  
SANDERS          9     26     27     28     29     84     85     86     87  
                88     89     90  
SCOTT           43     44  
SHAYS           30     31     32  
SHELTON        125  
SNOW            12     13     18     19     25     26     27     29     30  
                31     32     33     34     35     36     39     40     41  
                42     44     45     46     47     48  
SPRIGGS         55     79     83     87     95     96     99    102    107  
               108  
TAYLOR         128    141    142    143    144  
TIBERI         125    128    131    134    137    139    140    144  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JOHN W. SNOW, SECRETARY, DEPARTMENT OF THE TREASURY
                                                                 PAGE    12

STATEMENT OF TIMOTHY MURIS, CHAIRMAN, FEDERAL TRADE COMMISSION
                                                                 PAGE    15

STATEMENT OF MALLORY DUNCAN, SENIOR VICE PRESIDENT, GENERAL COUNSEL, NATIONAL RETAIL FEDERATION
                                                                 PAGE    49

STATEMENT OF MICHAEL MCENENEY, PARTNER, SIDLEY AUSTIN BROWN & WOODS LLP, ON BEHALF OF THE U.S. 
CHAMBER OF COMMERCE
                                                                 PAGE    52

STATEMENT OF WILLIAM SPRIGGS, EXECUTIVE DIRECTOR, NATIONAL URBAN LEAGUE INSTITUTE FOR OPPORTUNITY 
AND EQUALITY
                                                                 PAGE    55

STATEMENT OF STEPHEN BROBECK, EXECUTIVE DIRECTOR, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    58

STATEMENT OF JOHN DUGAN, PARTNER, COVINGTON AND BURLING, ON BEHALF OF THE FINANCIAL SERVICES 
COORDINATING COUNCIL
                                                                 PAGE    61

STATEMENT OF STUART PRATT, PRESIDENT, CONSUMER DATA INDUSTRY ASSOCIATION
                                                                 PAGE    66

STATEMENT OF JOE BELEW, PRESIDENT, CONSUMERS BANKERS ASSOCIATION
                                                                 PAGE   119

STATEMENT OF KAYCE BELL, CHIEF OPERATING OFFICER, ALABAMA CREDIT UNION, ON BEHALF OF THE CREDIT 
UNION NATIONAL ASSOCIATION
                                                                 PAGE   122

STATEMENT OF HILARY SHELTON, DIRECTOR, NAACP, WASHINGTON BUREAU
                                                                 PAGE   125

STATEMENT OF D. RUSSELL TAYLOR, CHAIRMAN, AMERICA'S COMMUNITY BANKERS
                                                                 PAGE   128

STATEMENT OF CHRIS JAY HOOFNAGLE, DEPUTY COUNSEL, ELECTRONIC PRIVACY INFORMATION CENTER AND MR. L. 
RICHARD FISCHER, VISA U.S.A.
                                                                 PAGE   131

STATEMENT OF L. RICHARD FISCHER, VISA U.S.A.
                                                                 PAGE   134


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING