SPEAKER INDEX    CONTENTS   INSERTS   
BALDWIN        135    136    137    210    212  
BIDEN           71     73  
BRUCE COHEN     5  
BRYANT          46    130    131    132    133    134  
CHABOT          50  
DEAR CHAIRMAN HYDE   279    283    310  
DEAR CONGRESSMAN HYDE   301    339  
DEAR MR. HYDE   249  
DEAR REPRESENTATIVE GEKAS   205  
DELAHUNT        35     36     37     38     46     48     50  
DODD            21     27  
GEKAS           11     20     26     27     29     30     35     38     40  
                46     48     49     50     54     56     59     71     73  
                82     90     92    103    107    123    124    125    130  
               134    135    138    139    153    165    178    190    191  
               192    193    194    195    199    200    202    204    205  
               207    208    209    212  
GEORGE W. GEKAS   205  
GRASSLEY        14  
HAMMONDS        74    127    128    129    133  
HENRY J. HYDE   249    278    283    300    310    338  
JAMES W. HARPER     4  
JOHN MCMICKLE     6  
JONES          142    194    195    196    199    200  
JULIAN EPSTEIN     4  
KENNER          82    125    129    133    136  
KLEIN          104    108    124    134    135    138  
KOLAN DAVIS     6  
MANUS COONEY     5  
MILLER         153    196    197    198    203    204    205    207    208  
               209  
MORAN           54     59  
NADLER          29     30     38     41     48     49    126    127    128  
               129    138    196    197    198    199    200    201    202  
               203    204    209    212  
NUSS            91     94    130    131    134  
RAYMOND V. SMIETANKA     4  
RITA LARI        6  
SESSIONS        30     35     36     37     38     39     40  
SHEAFFER        62    131    132    133    137    138  
SUSAN JENSEN-CONKLIN     4  
THOMAS E. MOONEY, SR     3  
WARREN         178    190    191    192    193    194    199    200    201  
               202    203    204    210    212  
WEINER          46  
ZYWICKI        165  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF CHAIRMAN GEKAS
                                                                 PAGE    11

STATEMENT OF DEAN SHEAFFER, VICE PRESIDENT AND DIRECTOR OF CREDIT, BOSCOV'S DEPARTMENT STORE, 
INC., LAUREL DALE, PA, REPRESENTING THE NATIONAL RETAIL FEDERATION
                                                                 PAGE    62

STATEMENT OF BRUCE L. HAMMONDS, SENIOR VICE CHAIRMAN AND CEO, MBNA AMERICA BANK, N.A., WILMINGTON, 
DE
                                                                 PAGE    74

STATEMENT OF CAROL J. KENNER, U.S. BANKRUPTCY JUDGE, DISTRICT OF MASSACHUSETTS, BOSTON, MA
                                                                 PAGE    82

STATEMENT OF LARRY NUSS, CEO, CEDAR FALLS COMMUNITY CREDIT UNION, CEDAR FALLS, IA, REPRESENTING 
THE CREDIT UNION NATIONAL ASSOCIATION, INC.
                                                                 PAGE    91

STATEMENT OF GARY KLEIN, ESQUIRE, SENIOR ATTORNEY, NATIONAL CONSUMER LAW CENTER, BOSTON, MA
                                                                 PAGE   103

STATEMENT OF EDITH HOLLAN JONES, JUDGE, U.S. COURT OF APPEALS FOR THE FIFTH CIRCUIT, AND MEMBER OF 
THE NATIONAL BANKRUPTCY REVIEW COMMISSION, HOUSTON, TX
                                                                 PAGE   142

STATEMENT OF JUDITH GREENSTONE MILLER, REPRESENTING THE COMMERCIAL LAW LEAGUE OF AMERICA, 
BIRMINGHAM, MI
                                                                 PAGE   153

STATEMENT OF TODD ZYWICKI, PROFESSOR, GEORGE MASON UNIVERSITY SCHOOL OF LAW, ARLINGTON, VA
                                                                 PAGE   165

STATEMENT OF ELIZABETH WARREN, LEO GOTTLIEB PROFESSOR OF LAW, HARVARD LAW SCHOOL, BOSTON, MA
                                                                 PAGE   178


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