SPEAKER INDEX    CONTENTS   INSERTS   
ACKERMAN        28     29     30     31     32     35     36     37    156  
               157    158    159  
ANTHONY RODRIGUEZ   142    144    145    146    148  
BACHUS           1      5      6      7      8     11     13     16     18  
                20     21     25     27     28     32     35     37     38  
                39     40     43     45     46     47     48     51     53  
                72     73     74     78     80     82     85    130    132  
               135    137    138    142    144    145    146    151    152  
               153    154    155    156    157    159    161  
BEALES           8     21     22     26     28     29     30     31     32  
                33     35     36     37     38     40     44     45     49  
                50     51     53  
BENNETT         64     75     76     81     84  
BIGGERT         56  
BRILL           16     23     24     25     26     27     29     30     31  
                33     34     37     38     39     40     41     42     43  
                44     45     46     48     52  
BROUGH         100    107    112    116    117    120    123    125  
CARSON          32     33     34     35  
CASTLE          21     22     23     24     55  
CROWLEY        118    119    120    121    126    159    160  
DAVIS           40     41     42     43  
DOLORES SMITH    11     22     26     29     30     31     32     33  
                37     39     44     46     47     51     52  
FORD           127    147    148    149    151    152    153    156    157  
               158  
GILLMOR        108    110    111    112    113    116    118  
GONZALEZ        35  
GREEN           87     89    111    115    116  
HART            27     28  
HENSARLING      43     44     55     56     57     60     61     63     66  
                69     78     79     80    151  
HOOLEY           6  
JOSEPH SMITH    18     21     23     27     29     30     32     37     44  
JULIE SMITH    66     73  
KELLY            5     27  
LE FEBVRE      132    155    156  
LIZARRAGA       96    105    112  
MALONEY         53     54     55     74     76     78    121    123  
MCCARTHY       113    114    115    116  
MEEKS          123    125    126  
MIERZWINSKI    90    103    104    106    108    111    119    122    125  
               126  
RAMON RODRIGUEZ    57     60     72     78     79     82     83  
RENZI           27  
ROSS           137    138  
ROYCE           85    116    117    118  
SANDERS          3      7     25     26     27     46     49     50     51  
                52     53    105    106    107    108    146    147    148  
               149    150    151    152  
SERIO           13     22     23     27     29     30     31     37     38  
                44     47     54     55  
SHANNA SMITH    93    108    113    114    115    120  
SPAINHOUR      139  
ST. JOHN       130    148    150    154    155    160  
SULLIVAN        61     79     84  
TIBERI          82     83     84     85     86     89     90     93     96  
                99    103    104    105    121    123    126    127  
WALKER          70     74     81  
WATERS         108  
WATT             6     80     81     82  
WOHKITTEL      135    149  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HOWARD BEALES, DIRECTOR, BUREAU OF CONSUMER AFFAIRS, FEDERAL TRADE COMMISSION
                                                                 PAGE     8

STATEMENT OF DOLORES SMITH, DIRECTOR OF THE DIVISION OF CONSUMER AND COMMUNITY AFFAIRS, BOARD OF 
GOVERNORS OF THE FEDERAL RESERVE SYSTEM
                                                                 PAGE    11

STATEMENT OF GREGORY V. SERIO, SUPERINTENDENT OF INSURANCE, STATE OF NEW YORK, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS
                                                                 PAGE    13

STATEMENT OF JULIE BRILL, ASSISTANT ATTORNEY GENERAL, STATE OF VERMONT
                                                                 PAGE    16

STATEMENT OF JOSEPH SMITH, COMMISSIONER OF BANKS, STATE OF NORTH CAROLINA, ON BEHALF OF THE 
CONFERENCE OF STATE BANK SUPERVISORS
                                                                 PAGE    18

STATEMENT OF RAMON RODRIGUEZ, CHIEF OPERATING OFFICER, UNITED STATES HISPANIC CHAMBER OF COMMERCE
                                                                 PAGE    57

STATEMENT OF KEVIN T. SULLIVAN, VICE PRESIDENT AND DEPUTY GENERAL COUNSEL, GOVERNMENT RELATIONS, 
ALLSTATE INSURANCE COMPANY
                                                                 PAGE    61

STATEMENT OF LEONARD BENNETT, MEMBER, NATIONAL ASSOCIATION OF CONSUMER ADVOCATES
                                                                 PAGE    63

STATEMENT OF JULIE A. SMITH, PRESIDENT, BUZZUTO MANAGEMENT COMPANY, ON BEHALF OF THE NATIONAL 
MULTI HOUSING COUNCIL AND THE NATIONAL APARTMENT ASSOCIATION JOINT LEGISLATIVE PROGRAM
                                                                 PAGE    66

STATEMENT OF CLINT WALKER, CHIEF ADMINISTRATIVE OFFICER AND GENERAL COUNSEL, JUNIPER BANK
                                                                 PAGE    70

STATEMENT OF FLORA GREEN, LEAD SPOKESWOMAN, THE SENIORS COALITION
                                                                 PAGE    86

STATEMENT OF ED MIERZWINSKI, CONSUMER PROGRAM DIRECTOR, US PIRG
                                                                 PAGE    90

STATEMENT OF SHANNA SMITH, EXECUTIVE DIRECTOR, NATIONAL FAIR HOUSING ALLIANCE
                                                                 PAGE    93

STATEMENT OF DAVID LIZARRAGA, PRESIDENT AND CEO, TELACU
                                                                 PAGE    96

STATEMENT OF WAYNE T. BROUGH, CHIEF ECONOMIST, CITIZENS FOR A SOUND ECONOMY
                                                                 PAGE    99

STATEMENT OF JOHN FORD, CHIEF PRIVACY OFFICER, EQUIFAX, INC.
                                                                 PAGE   127

STATEMENT OF CHERYL ST. JOHN, VICE PRESIDENT, FAIR ISAAC CORPORATION
                                                                 PAGE   130

STATEMENT OF RICHARD LE FEBVRE, PRESIDENT, AAA AMERICAN CREDIT BUREAU
                                                                 PAGE   132

STATEMENT OF PAUL J. WOHKITTEL, III, PRESIDENT, LENDERS' CREDIT SERVICES, INC., DIRECTOR AND 
LEGISLATIVE CHAIR, NATIONAL CREDIT REPORTING ASSOCIATION
                                                                 PAGE   135

STATEMENT OF TIM SPAINHOUR, LEGAL COMPLIANCE LEADER, ACXION CORPORATION
                                                                 PAGE   138

STATEMENT OF ANTHONY RODRIGUEZ, STAFF ATTORNEY, NATIONAL CONSUMER LAW CENTER
                                                                 PAGE   142


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING