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WITNESSES

Page

J. Howard Beales, III, Director, Bureau of Consumer Protection, U.S. Federal
Trade Commission, Washington, DC

81

Prepared statement

Response to written questions of:

Senator Dole

125

207

Senator Miller

Timothy Caddigan, Special Agent in Charge, Criminal Investigative Division,
U.S. Secret Service

207

83

Prepared statement

133

Response to written question of Senator Miller

207

Michael D. Cunningham, Senior Vice President, Credit and Fraud Operations,
Chase Cardmembers Services

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John M. Harrison, Captain, U.S. Army (Retired), Rocky Hill, Connecticut
Prepared statement

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Stuart K. Pratt, President and Chief Executive Officer, Consumer Data Industry Association

104

Prepared statement

160

Linda Foley, Executive Director, Identity Theft Resource Center

108

Prepared statement

171

Response to written question of Senator Miller

211

William Hough, Vice President of Credit Services, The Neiman Marcus

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Opening statements, comments, or prepared statements of:

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Joel R. Reidenberg, Professor of Law, Fordham University School of Law
Prepared statement

Ronald A. Prill, former President, Target Financial Services, on behalf of
the National Retail Federation

Terry Baloun, Regional President and Group Head, Wells Fargo Bank

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Julie Brill, Assistant Attorney General, the State of Vermont

Prepared statement

223

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256

229

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314

317

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263

Martin Wong, General Counsel, Global Consumer Group, Citigroup

Prepared statement

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Research Group

Prepared statement

Senator Bunning

Senator Johnson

Senator Dole

Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest

Angela L. Maynard, Chief Privacy Executive and Counsel, KeyCorp, on behalf of the Financial Services Roundtable

Prepared statement

Page

233

291

326

331

334

338

235

294

237

308

ADDITIONAL MATERIAL SUPPLIED FOR THE RECORD

Letter to Chairman Shelby and Ranking Member Sarbanes from Chris Jay
Hoofnagle, Deputy Counsel, Electronic Privacy Information Center, dated
June 24, 2003

340

THURSDAY, JULY 10, 2003

Opening statement of Chairman Shelby

Prepared statement

Opening statements, comments, or prepared statements of:

Senator Sarbanes

Senator Dole

Senator Johnson

Senator Enzi

Senator Carper

Senator Bennett

Senator Dodd

Prepared statement

Senator Crapo

Senator Stabenow

Prepared statement

Senator Allard

Prepared statement

Senator Corzine

Senator Schumer

349

399

350

352

352

353

355

355

357

402

358

358

402

359

403

360

360

WITNESSES

Timothy J. Muris, Chairman, U.S. Federal Trade Commission

Prepared statement

361

404

Response to written questions of Senator Sununu

506

Stephen Brobeck, Executive Director, Consumer Federation of America

381

Prepared statement

422

Stuart K. Pratt, President and CEO, Consumer Data Industry Association
Prepared statement

383

437

Richard F. LeFabvre, President and CEO, AAA American Credit Bureau,
Inc.

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Letter to David A. Jokinen from the Social Security Administration

507

Page

TUESDAY, JULY 29, 2003

Opening statement of Chairman Shelby

509

Opening statements, comments, or prepared statements of:

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Dolores S. Smith, Director, Division of Consumer and Community Affairs,
Board of Governors of the Federal Reserve System

514

Prepared statement

549

Response to written question of Senator Sarbanes

585

Donna Gambrell, Deputy Director for Compliance and Consumer Protection,
Division of Supervision and Consumer Protection, Federal Deposit

Insurance Corporation

515

Prepared statement

554

Joel Winston, Associate Director, Financial Practices Division, Bureau of Consumer Protection, U.S. Federal Trade Commission

517

Prepared statement

558

Travis B. Plunkett, Legislative Director, Consumer Federation of America
Prepared statement

518

560

Stacey D. Stewart, President and Chief Executive Officer, Fannie Mae
Foundation

520

Cheri St. John, Vice President of Global Scoring Solutions, Fair Isaac
Corporation

522

Prepared statement

566

Scott Hildebrand, Vice President, Direct Marketing Services, Capital One

Financial Corporation

524

Prepared statement

579

THURSDAY, JULY 31, 2003

Opening statement of Chairman Shelby

Opening statements, comments, or prepared statements of:

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John W. Snow, Secretary, U.S. Department of the Treasury

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Michael F. McEneney, Partner, Sidley Austin Brown & Wood LLP; on behalf of the U.S. Chamber of Commerce

Prepared statement

Page

587

592

594

596

597

599

601

627

602

603

588

627

653

611

630

Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest
Research Group; on behalf of: ACORN, Center for Community Change,
Consumer Action, Consumer Federation of America, Consumers Union,
Electronic Privacy Information Center, Identity Theft Resource Center,
Privacy Rights Clearinghouse, Privacy Times, and U.S. Public Interest
Research Group

Prepared statement

ADDITIONAL MATERIAL SUPPLIED FOR THE RECORD

9Letter from Senator Jim Bunning to John W. Snow, Secretary, U.S. Department of the Treasury, dated August 6, 2003

9

Consumer Credit: Limited Information Exists on Extent of Credit Report Errors and Their Implications for Consumers, by Richard J. Hillman, Director, Financial Markets and Community Investment, U.S. General Accounting Office

The Development and Regulation of Consumer Credit Reporting in America by Robert M. Hunt, Senior Economist, Federal Reserve Bank of Philadelphia, dated November 2002

Page

614

634

654

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