SPEAKER INDEX CONTENTS INSERTS
ACKERMAN 28 29 30 31 32 35 36 37 156
157 158 159
ANTHONY RODRIGUEZ 142 144 145 146 148
BACHUS 1 5 6 7 8 11 13 16 18
20 21 25 27 28 32 35 37 38
39 40 43 45 46 47 48 51 53
72 73 74 78 80 82 85 130 132
135 137 138 142 144 145 146 151 152
153 154 155 156 157 159 161
BEALES 8 21 22 26 28 29 30 31 32
33 35 36 37 38 40 44 45 49
50 51 53
BENNETT 64 75 76 81 84
BIGGERT 56
BRILL 16 23 24 25 26 27 29 30 31
33 34 37 38 39 40 41 42 43
44 45 46 48 52
BROUGH 100 107 112 116 117 120 123 125
CARSON 32 33 34 35
CASTLE 21 22 23 24 55
CROWLEY 118 119 120 121 126 159 160
DAVIS 40 41 42 43
DOLORES SMITH 11 22 26 29 30 31 32 33
37 39 44 46 47 51 52
FORD 127 147 148 149 151 152 153 156 157
158
GILLMOR 108 110 111 112 113 116 118
GONZALEZ 35
GREEN 87 89 111 115 116
HART 27 28
HENSARLING 43 44 55 56 57 60 61 63 66
69 78 79 80 151
HOOLEY 6
JOSEPH SMITH 18 21 23 27 29 30 32 37 44
JULIE SMITH 66 73
KELLY 5 27
LE FEBVRE 132 155 156
LIZARRAGA 96 105 112
MALONEY 53 54 55 74 76 78 121 123
MCCARTHY 113 114 115 116
MEEKS 123 125 126
MIERZWINSKI 90 103 104 106 108 111 119 122 125
126
RAMON RODRIGUEZ 57 60 72 78 79 82 83
RENZI 27
ROSS 137 138
ROYCE 85 116 117 118
SANDERS 3 7 25 26 27 46 49 50 51
52 53 105 106 107 108 146 147 148
149 150 151 152
SERIO 13 22 23 27 29 30 31 37 38
44 47 54 55
SHANNA SMITH 93 108 113 114 115 120
SPAINHOUR 139
ST. JOHN 130 148 150 154 155 160
SULLIVAN 61 79 84
TIBERI 82 83 84 85 86 89 90 93 96
99 103 104 105 121 123 126 127
WALKER 70 74 81
WATERS 108
WATT 6 80 81 82
WOHKITTEL 135 149
CONTENTS SPEAKERS INSERTS
STATEMENT OF HOWARD BEALES, DIRECTOR, BUREAU OF CONSUMER AFFAIRS, FEDERAL TRADE COMMISSION
PAGE 8
STATEMENT OF DOLORES SMITH, DIRECTOR OF THE DIVISION OF CONSUMER AND COMMUNITY AFFAIRS, BOARD OF
GOVERNORS OF THE FEDERAL RESERVE SYSTEM
PAGE 11
STATEMENT OF GREGORY V. SERIO, SUPERINTENDENT OF INSURANCE, STATE OF NEW YORK, ON BEHALF OF THE
NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS
PAGE 13
STATEMENT OF JULIE BRILL, ASSISTANT ATTORNEY GENERAL, STATE OF VERMONT
PAGE 16
STATEMENT OF JOSEPH SMITH, COMMISSIONER OF BANKS, STATE OF NORTH CAROLINA, ON BEHALF OF THE
CONFERENCE OF STATE BANK SUPERVISORS
PAGE 18
STATEMENT OF RAMON RODRIGUEZ, CHIEF OPERATING OFFICER, UNITED STATES HISPANIC CHAMBER OF COMMERCE
PAGE 57
STATEMENT OF KEVIN T. SULLIVAN, VICE PRESIDENT AND DEPUTY GENERAL COUNSEL, GOVERNMENT RELATIONS,
ALLSTATE INSURANCE COMPANY
PAGE 61
STATEMENT OF LEONARD BENNETT, MEMBER, NATIONAL ASSOCIATION OF CONSUMER ADVOCATES
PAGE 63
STATEMENT OF JULIE A. SMITH, PRESIDENT, BUZZUTO MANAGEMENT COMPANY, ON BEHALF OF THE NATIONAL
MULTI HOUSING COUNCIL AND THE NATIONAL APARTMENT ASSOCIATION JOINT LEGISLATIVE PROGRAM
PAGE 66
STATEMENT OF CLINT WALKER, CHIEF ADMINISTRATIVE OFFICER AND GENERAL COUNSEL, JUNIPER BANK
PAGE 70
STATEMENT OF FLORA GREEN, LEAD SPOKESWOMAN, THE SENIORS COALITION
PAGE 86
STATEMENT OF ED MIERZWINSKI, CONSUMER PROGRAM DIRECTOR, US PIRG
PAGE 90
STATEMENT OF SHANNA SMITH, EXECUTIVE DIRECTOR, NATIONAL FAIR HOUSING ALLIANCE
PAGE 93
STATEMENT OF DAVID LIZARRAGA, PRESIDENT AND CEO, TELACU
PAGE 96
STATEMENT OF WAYNE T. BROUGH, CHIEF ECONOMIST, CITIZENS FOR A SOUND ECONOMY
PAGE 99
STATEMENT OF JOHN FORD, CHIEF PRIVACY OFFICER, EQUIFAX, INC.
PAGE 127
STATEMENT OF CHERYL ST. JOHN, VICE PRESIDENT, FAIR ISAAC CORPORATION
PAGE 130
STATEMENT OF RICHARD LE FEBVRE, PRESIDENT, AAA AMERICAN CREDIT BUREAU
PAGE 132
STATEMENT OF PAUL J. WOHKITTEL, III, PRESIDENT, LENDERS' CREDIT SERVICES, INC., DIRECTOR AND
LEGISLATIVE CHAIR, NATIONAL CREDIT REPORTING ASSOCIATION
PAGE 135
STATEMENT OF TIM SPAINHOUR, LEGAL COMPLIANCE LEADER, ACXION CORPORATION
PAGE 138
STATEMENT OF ANTHONY RODRIGUEZ, STAFF ATTORNEY, NATIONAL CONSUMER LAW CENTER
PAGE 142
INSERTS SPEAKERS CONTENTS
NO INSERTS IN THIS HEARING