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