WITNESSES Page J. Howard Beales, III, Director, Bureau of Consumer Protection, U.S. Federal 81 Prepared statement Response to written questions of: Senator Dole 125 207 Senator Miller Timothy Caddigan, Special Agent in Charge, Criminal Investigative Division, 207 83 Prepared statement 133 Response to written question of Senator Miller 207 Michael D. Cunningham, Senior Vice President, Credit and Fraud Operations, John M. Harrison, Captain, U.S. Army (Retired), Rocky Hill, Connecticut 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 Opening statements, comments, or prepared statements of: Joel R. Reidenberg, Professor of Law, Fordham University School of Law Ronald A. Prill, former President, Target Financial Services, on behalf of Terry Baloun, Regional President and Group Head, Wells Fargo Bank Julie Brill, Assistant Attorney General, the State of Vermont Prepared statement 223 · 247 227 256 229 260 314 317 319 321 322 230 263 Martin Wong, General Counsel, Global Consumer Group, Citigroup Prepared statement 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 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 383 437 Richard F. LeFabvre, President and CEO, AAA American Credit Bureau, 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: Dolores S. Smith, Director, Division of Consumer and Community Affairs, 514 Prepared statement 549 Response to written question of Senator Sarbanes 585 Donna Gambrell, Deputy Director for Compliance and Consumer Protection, 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 518 560 Stacey D. Stewart, President and Chief Executive Officer, Fannie Mae 520 Cheri St. John, Vice President of Global Scoring Solutions, Fair Isaac 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: John W. Snow, Secretary, U.S. Department of the Treasury 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 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 614 634 654 655 675 |