SPEAKER INDEX CONTENTS INSERTS
BACHUS 4 6 8 10 11 16 18 21 24
28 30 33 34 35 38 42 45 49
50
BAKER 1 10
CLOUTIER 51 67 68 71 72 78
COLE 54 69 70 71 72 76 77 78
CROWLEY 38 39 40
DAVIS 30 31 32 33 72 73 74 75 77
78 79
DENTLINGER 57 75
DUNCAN 59 69 73 74 75 79
FEENEY 42 43 44 45
FERGUSON 12 17 18 19 20 21 22 23 24
25 26 27 28 29 30 31 32 33
34 35 36 37 38 39 40 41 43
44 45 46 47 48 49 50
FORD 6 24 25 26 28 33 34 40 69
70 71 72 76 77 79
GARRETT 35 36 37 38
HART 8 10 28 29 30 50 53 56 59
61 64 67 68 69 72 76 79
HENSARLING 22 23
KNICELEY 62
MALONEY 45 46 47 48 49
OXLEY 5
SANDERS 4 11 18 19 20 21
SHERMAN 33
WOODHAM 64
CONTENTS SPEAKERS INSERTS
STATEMENT OF HON. ROGER W. FERGUSON, VICE CHAIRMAN, BOARD OF GOVERNORS OF THE FEDERAL RESERVE
SYSTEM
PAGE 11
STATEMENT OF C.R. CLOUTIER, PRESIDENT AND CEO, MIDSOUTH BANK, NA, ICBA CHAIRMAN, ON BEHALF OF
INDEPENDENT COMMUNITY BANKERS OF AMERICA AND AMERICA'S COMMUNITY BANKERS
PAGE 50
STATEMENT OF GRANT COLE, SENIOR VICE PRESIDENT AND SENIOR CHANGE MANAGEMENT EXECUTIVE, TRANSACTION
SERVICES, BANK OF AMERICA, ON BEHALF OF AMERICAN BANKERS ASSOCIATION, CONSUMER BANKERS
ASSOCIATION, THE ELECTRONIC CHECK CLEARING HOUSE ORGANIZATION, AND THE FINANCIAL SERVICES
ROUNDTABLE
PAGE 53
STATEMENT OF DALE DENTLINGER, DIRECTOR, E*TRADE ACCESS, E*TRADE BANK
PAGE 56
STATEMENT OF JANELL MAYO DUNCAN, LEGISLATIVE AND REGULATORY COUNSEL, CONSUMERS UNION
PAGE 59
STATEMENT OF JOSEPH KNICELEY, VICE PRESIDENT, PAYMENT SOLUTIONS, NCR CORPORATION
PAGE 61
STATEMENT OF CELIA C. WOODHAM, DIRECTOR OF OPERATIONS, CHARTWAY FCU, ON BEHALF OF CREDIT UNION
NATIONAL ASSOCIATION
PAGE 64
INSERTS SPEAKERS CONTENTS