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 CHARGEFINANCIAL 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