SPEAKER INDEX CONTENTS INSERTS
BACHUS 1 6 10 12 13 18 21 22 23
24 25 44 48 51 52 53 54 55
56 57 61 65 66 67
BARR 29 31 34 35 36 42
BARR: [PRESIDING] 28
BEALES 14 22 24 25 29 30 34 35 36
BYRD 42 44 60 61 63
GILLES 37 52 53 58 59 62 65
HARPER 45 56 64
JONES 10 29 31 61 62 63 64
MALONEY 5 34 35
SAUNDERS 48 53 54 55 56
SMITH 18 22 23 24 26 27 31 32 33
36
WATERS 6 25 26 27 28
WATT 10 31 32 33 34 57 58 59 60
61
CONTENTS SPEAKERS INSERTS
STATEMENT OF HOWARD BEALES, DIRECTOR, BUREAU OF CONSUMER PROTECTION, FEDERAL TRADE COMMISSION
PAGE 14
STATEMENT OF DOLORES S. SMITH, DIRECTOR, DIVISION OF CONSUMER AFFAIRS, BOARD OF GOVERNORS, FEDERAL
RESERVE SYSTEM
PAGE 18
STATEMENT OF DAVID J. GILLES, ASSISTANT ATTORNEY GENERAL, WISCONSIN DEPARTMENT OF JUSTICE
PAGE 37
STATEMENT OF JAMES E. BYRD, OWNER, BYRD'S TV SALES, SERVICE AND RENTAL, FLORENCE, SC
PAGE 42
STATEMENT OF MANUELA S. HARPER, SECRETARY, BOARD OF DIRECTORS, ASSOCIATION FOR PROGRESSIVE RENTAL
ORGANIZATIONS, ON BEHALF OF THE RENT-TO-OWN INDUSTRY
PAGE 45
STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER
PAGE 48
INSERTS SPEAKERS CONTENTS
NO INSERTS IN THIS HEARING