SPEAKER INDEX    CONTENTS   INSERTS   
ALLEN           73     74     85     86     88  
BARRETT         49     50     51     52  
BEREUTER        36     42     43     44     45  
BYRNE           16     20     34     35     40     44     45     46     52  
                67     84  
CONNELLY        79     90  
GREENWOOD       27     31     42     43     53     54  
HARTER         101    102    104    105    113    114    116    117    121  
               122    123    124    125    126    127  
KELLY           13     14  
KILPATRICK      45     46     47     48  
KISLIK         106    107    109    110    115    120    121  
LESSER          96    112    119    120    126  
MALONEY         11  
MALONEY OF NEW YORK    53     54  
MEDINE          21     22     25     32     33     34     36     47     48  
                49     50  
METCALF         11  
ROUKEMA          1      5      6     10     11     12     14     15     16  
                20     21     22     25     26     27     30     31     33  
                34     35     36     37     38     42     45     48     49  
                52     53     55     56     57     61     62     66     72  
                73     79     83     84     85     86     87     88     89  
                94     95     96    101    102    104    105    106    109  
               110    111    112    113    115    116    117    126    127  
SULLIVAN        62     88     91     92  
VENTO            5      6     16     37     38     40     41     55     89  
                90     91     92     94     95    116    117    119    120  
               121    122    123    124    125    126    127  
WESTIN          56     57     84     86     87     92  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF LESLIE L. BYRNE, SPECIAL ASSISTANT TO THE PRESIDENT; DIRECTOR, U.S. OFFICE OF 
CONSUMER AFFAIRS 
                                                                 PAGE    16

STATEMENT OF DAVID MEDINE, ASSOCIATE DIRECTOR OF CREDIT PRACTICES DIVISION, FEDERAL TRADE 
COMMISSION 
                                                                 PAGE    22

STATEMENT OF DANIEL J. GREENWOOD, DEPUTY GENERAL COUNSEL, INFORMATION TECHNOLOGY DIVISION, 
COMMONWEALTH OF MASSACHUSETTS 
                                                                 PAGE    26

STATEMENT OF DR. ALAN F. WESTIN, PROFESSOR EMERITUS OF PUBLIC LAW AND GOVERNMENT, COLUMBIA 
UNIVERSITY, PUBLISHER, ''PRIVACY AND AMERICAN BUSINESS''
                                                                 PAGE    56

STATEMENT OF MARCIA Z. SULLIVAN, VICE PRESIDENT AND DIRECTOR, GOVERNMENT RELATIONS, CONSUMER 
BANKERS ASSOCIATION
                                                                 PAGE    62

STATEMENT OF JOHN J. BYRNE, SENIOR COUNSEL AND COMPLIANCE MANAGER, AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    67

STATEMENT OF CATHERINE A. ALLEN, CEO, BANKING INDUSTRY TECHNOLOGY SECRETARIAT, THE BANKERS 
ROUNDTABLE
                                                                 PAGE    73

STATEMENT OF D. BARRY CONNELLY, PRESIDENT, ASSOCIATED CREDIT BUREAUS 
                                                                 PAGE    79

STATEMENT OF JILL A. LESSER, DEPUTY DIRECTOR, LAW AND PUBLIC POLICY, AMERICA ONLINE
                                                                 PAGE    96

STATEMENT OF PETER F. HARTER, GLOBAL PUBLIC POLICY COUNSEL, NETSCAPE COMMUNICATIONS CORPORATION
                                                                 PAGE   101

STATEMENT OF ELIZABETH KISLIK, PRESIDENT, LIZ KISLIK CONSULTANTS, ON BEHALF OF THE DIRECT 
MARKETING ASSOCIATION 
                                                                 PAGE   107


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING