SPEAKER INDEX    CONTENTS   INSERTS   
ABERNATHY       18     19     22     23     24     25     26     27     28  
                29     30     31     32     33     34     35     36     37  
                38     39     41     42     43     44     45     46     47  
                48     49  
BACHUS           1      6      8     12     13     14     16     18     19  
                22     23     24     25     27     29     33     36     38  
                41     44     46     48     49     50     55     59     61  
                66     70     74     75     76     80     81     82     84  
                86     90     93     98    102    103    104    105  
CASTLE          44     46     49     81     83  
CROWLEY         90     91     93    105  
FORD            94     97     98  
GONZALEZ        27  
GUTIERREZ       98    101    102  
HENSARLING      16     38     39     40  
HINOJOSA        16  
HOOLEY          14  
KELLY           33     34     35  
KENNEDY         27     28     29  
MALONEY         12     29     30     31     32     33  
MEEKS           36     37     38  
MOORE           42     43     44     84     85     86  
OXLEY            8      9  
REIDENBERG      61     62     77     78  
ROYCE           13     74     76  
SANDERS          4      6      8      9     25     26     27     76     77  
                78     80     81  
SHEAFFER        55     81     82     86     92    103    104  
SHERMAN         46     48  
STATEN          70     79     84     85     96     97    101  
SWIRE           66     85     88     89     93     98    100  
TIBERI          86     87     88     89     90  
TURNER          59     75     76     80     87     89     91    105  
UFFNER          51     81     86    102  
WATERS          17  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. WAYNE ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, DEPARTMENT OF 
TREASURY
                                                                 PAGE    18

STATEMENT OF MICHAEL S. UFFNER, PRESIDENT, CHAIRMAN AND CEO, AUTOTEAM DELAWARE, ON BEHALF OF THE 
UNITED STATES CHAMBER OF COMMERCE
                                                                 PAGE    51

STATEMENT OF DEAN SHEAFFER, VICE PRESIDENT OF CREDIT, BOSCOV'S INCORPORATED, ON BEHALF OF THE 
NATIONAL RETAIL FEDERATION
                                                                 PAGE    55

STATEMENT OF MICHAEL TURNER, PRESIDENT AND SENIOR SCHOLAR, INFORMATION POLICY INSTITUTE
                                                                 PAGE    59

STATEMENT OF JOEL R. REIDENBERG, PROFESSOR OF LAW, FORDHAM UNIVERSITY
                                                                 PAGE    62

STATEMENT OF PETER P. SWIRE, PROFESSOR OF LAW, MORITZ COLLEGE OF LAW, OHIO STATE UNIVERSITY
                                                                 PAGE    66

STATEMENT OF MICHAEL STATEN, DIRECTOR, CREDIT RESEARCH CENTER, GEORGETOWN UNIVERSITY
                                                                 PAGE    70


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING