SPEAKER INDEX    CONTENTS   INSERTS   
BENNER         128  
BIGGERT         40     41     42     43  
BOULDEN         72     80     82     86     87     88     89     90     91  
                92  
BRODER          16     17     19     29     30     33     34     35     36  
                37     40     41     46     51     52     55     56     57  
DOUGLAS         58     59     77     79     82     83     85     92     98  
               101    102  
HARVEY         109    112    114    116    117    118    148    149    151  
               172    174    175  
HOOLEY           8     51     52     53     54     56     57     82     83  
                85     86     87     88     89     90    109    110    112  
               147    149    150    153    154    155    157    158    159  
               160    161    162    163    164    165    168  
HULME          133    141    143  
LAFALCE         33     34     35     36     37     39     54     55  
LATOURETTE      12     14     48     50     51    168    171    173    174  
               175  
LEACH            1      7      8     12     15     16     17     19     22  
                23     28     29     30     32     33     40     43     47  
                51     54     55     56     57     58     59     71     75  
                77     78     79     80     82     91     92     98     99  
               101    102    109    110    112    113    116    117    118  
               128    133    141    143    168    175  
MALONEY         43     46     47  
PLESSER        103    110    111  
PRATT          119    154    155    157    159    160    161    162    163  
               165    166    170  
SHERMAN          6      7  
TOWNSEND        23     31     32     33     34     38     39     42     48  
                50     53     54     55     58  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. DARLENE HOOLEY, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OREGON
                                                                 PAGE     8

STATEMENT OF HON. STEVEN C. LaTOURETTE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OHIO
                                                                 PAGE    12

STATEMENT OF BETSY BRODER, ASSISTANT DIRECTOR, DIVISION OF PLANNING AND INFORMATION, BUREAU OF 
CONSUMER PROTECTION, FEDERAL TRADE COMMISSION
                                                                 PAGE    17

STATEMENT OF BRUCE A. TOWNSEND, SPECIAL AGENT IN CHARGE—FINANCIAL CRIMES DIVISION, U.S. 
SECRET SERVICE
                                                                 PAGE    23

STATEMENT OF ROBERT DOUGLAS, CEO, AMERICAN PRIVACY CONSULTANTS, INC., ALEXANDRIA, VA 
                                                                 PAGE    58

STATEMENT OF SHON BOULDEN, IDENTITY THEFT VICTIM, HILLSBORO, OR
                                                                 PAGE    71

STATEMENT OF RONALD L. PLESSER, COORDINATOR, INDIVIDUAL REFERENCE SERVICES GROUP
                                                                 PAGE   102

STATEMENT OF RICHARD H. HARVEY, JR., VICE PRESIDENT, CHEVY CHASE BANK, ON BEHALF OF THE AMERICAN 
BANKERS ASSOCIATION
                                                                 PAGE   112

STATEMENT OF STUART K. PRATT, VICE PRESIDENT, ASSOCIATED CREDIT BUREAUS INC., WASHINGTON, DC
                                                                 PAGE   118

STATEMENT OF JANINE BENNER, CONSUMER ASSOCIATE, CALIFORNIA PUBLIC INTEREST RESEARCH GROUP
                                                                 PAGE   128

STATEMENT OF BRUCE H. HULME, PRESIDENT, SPECIAL INVESTIGATIONS, INC., ON BEHALF OF THE NATIONAL 
COUNCIL OF INVESTIGATION AND SECURITY SERVICES
                                                                 PAGE   133


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING