SPEAKER INDEX    CONTENTS   INSERTS   
ACKERMAN        12     36     37     38     39     40     41     42     43  
BACHUS           1      8     10     11     13     14     15     18     19  
                21     22     25     26     29     31     32     33     34  
                35     36     40     42     43     44     45     49     50  
                54     55     56     61     66     70     73     74     77  
                87     90     95     98     99    100    101    105    106  
               107    108    109    110    111    112    115    117    118  
CANTOR          13     14     95     97     98  
CARSON          19  
DEMARSE         64    115    116  
FISCHER         56     74     82     83     85     86     87     88     89  
                90     91     92     93     94     95     96     97    103  
               104    105    108    109    110    111    112    113    114  
FORD            54  
GRUCCI          80     81     87     88     89     90  
HINOJOSA       101    102    103    104    105  
HOOLEY          50     51     52     53  
KOLISH          26     32     33     34     35     37     40     41     42  
                45     50     51     52     53  
LAFALCE          4      8     45     46     47     48     49     79     80  
                81     82     83     85     86     87     98     99    100  
               104    105    110    112    113    114    115    116  
MALONEY         18  
MANNING         67    112    114    115  
MIERZWINSKI    61     97     98     99    101    118  
OXLEY           10  
PEIREZ          70     83     84     86     90     91     96     97    106  
               107    108    114  
SHERMAN          8  
SMITH           22     29     35     36     38     45     46     47     48  
                49     51     52  
TIBERI          44     45     77     78     79     80  
TORRES          56     78     79     80    101    102    109  
WATERS          15     90     91     92     93     94     95  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DOLORES S. SMITH, DIRECTOR, DIVISION OF CONSUMER AND COMMUNITY AFFAIRS, BOARD OF 
GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    21

STATEMENT OF ELAINE KOLISH, ASSISTANT DIRECTOR, BUREAU OF CONSUMER PROTECTION, DIVISION OF 
ENFORCEMENT, FEDERAL TRADE COMMISSION
                                                                 PAGE    26

STATEMENT OF FRANK TORRES, LEGISLATIVE COUNSEL, CONSUMERS UNION
                                                                 PAGE    56

STATEMENT OF EDMUND MIERZWINSKI, CONSUMER PROGRAM DIRECTOR, U.S. PUBLIC INTEREST RESEARCH GROUP
                                                                 PAGE    61

STATEMENT OF ELISABETH DeMARSE, PRESIDENT AND CEO, BANKRATE, INC.
                                                                 PAGE    64

STATEMENT OF ROBERT MANNING, PROFESSOR, ROCHESTER INSTITUTE OF TECHNOLOGY
                                                                 PAGE    66

STATEMENT OF JOSHUA L. PEIREZ, SENIOR LEGISLATIVE AND REGULATORY COUNSEL, MASTERCARD INTERNATIONAL 
INCORPORATED
                                                                 PAGE    70

STATEMENT OF L. RICHARD FISCHER, ATTORNEY AT LAW, MORRISON & FOERESTER, ON BEHALF OF VISA U.S.A. 
INC.
                                                                 PAGE    74


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING