SPEAKER INDEX    CONTENTS   INSERTS   
ANSANELLI       72     80  
BACHUS           1      6      7      8      9     11     13     14     15  
                16     19     23     26     28     31     33     35     37  
                39     41     43     44     45     50     53     54     55  
                59     60     69  
BEALES          17     28     31     33     34     35     36     38     39  
                40     42     43     44  
CADDIGAN        23     30     32     34     35     38     40     41     42  
CAPITO          41     42     43  
CASTLE          13  
CROWLEY         14  
DUNCAN          70     78     79     83     92     93  
HANSON          61     64     79     96  
HENSARLING      37     38     39  
HINOJOSA        11     35     36     37  
HOOLEY           6      7     39     40     41  
KALLSTROM       64     69     81     82     83     84     85     86     87  
                88     89     90     91     92     94     95     96     98  
                99  
KELLY           10     33     34     35  
LATOURETTE       8     55     57     58     70     72     75     77     78  
                79     80     85     88     90     92     93     96     97  
                99  
LUNDY           75     78     84  
MELLOTT         45     50     53     54     55     58     60  
MIHALKO         19     29     38     40     43  
MITCHELL        44     45     56     57     58     59  
MOORE           88     89     90     91     92     93  
OXLEY            6  
PEIREZ          67  
SANDERS          4     31     32     33     80     81     82     83     84  
                85     97     98     99  
SHADEGG         15     16  
TIBERI          60     63     64     66     69     70     93     94     95  
                96  
TOOMEY          28     29     30     31     85     86     87     88  
VIVERETTE       26     30     31     32     33     36     38     41  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF J. HOWARD BEALES, III, DIRECTOR OF THE BUREAU OF CONSUMER PROTECTION, FEDERAL TRADE 
COMMISSION
                                                                 PAGE    17

STATEMENT OF DANIEL L. MIHALKO, INSPECTOR IN CHARGE, CONGRESSIONAL & PUBLIC AFFAIRS, UNITED STATES 
POSTAL INSPECTION SERVICE
                                                                 PAGE    19

STATEMENT OF TIM CADDIGAN, SPECIAL AGENT IN CHARGE, CRIMINAL INVESTIGATIVE DIVISION, UNITED STATES 
SECRET SERVICE
                                                                 PAGE    23

STATEMENT OF MARY ANN VIVERETTE, CHIEF OF POLICE, GAITHERSBURG, MARYLAND, ON BEHALF OF THE 
INTERNATIONAL ASSOCIATION OF CHIEFS OF POLICE
                                                                 PAGE    26

STATEMENT OF MAUREEN V. MITCHELL, MADISON, OH, VICTIM OF IDENTITY THEFT
                                                                 PAGE    45

STATEMENT OF COMMANDER FRANK MELLOTT, UNITED STATES NAVY, VICTIM OF IDENTITY THEFT, ON BEHALF OF 
THE IDENTITY THEFT RESOURCE CENTER
                                                                 PAGE    50

STATEMENT OF AMY HANSON, PRESIDENT, FINANCIAL, ADMINISTRATIVE CREDIT SERVICES, INC., (FACS GROUP) 
ON BEHALF OF THE NATIONAL RETAIL FEDERATION
                                                                 PAGE    61

STATEMENT OF JIM KALLSTROM, SENIOR EXECUTIVE VICE PRESIDENT, MBNA AMERICA BANK
                                                                 PAGE    64

STATEMENT OF JOSHUA L. PEIREZ, SENIOR VICE PRESIDENT AND ASSISTANT GENERAL COUNSEL, MASTERCARD 
INTERNATIONAL
                                                                 PAGE    67

STATEMENT OF JANELL MAYO DUNCAN, LEGISLATIVE AND REGULATORY COUNSEL, CONSUMERS UNION
                                                                 PAGE    70

STATEMENT OF JOSEPH ANSANELLI, CEO, VONTU
                                                                 PAGE    72

STATEMENT OF LEE LUNDY, VICE PRESIDENT, CONSUMER SERVICES, EXPERIAN
                                                                 PAGE    75


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING