Opening Statement of Subcommittee Chairman Spencer Bachus

Opening Statement of Representative Sue Kelly

Opening Statement of Representative Paul E. Gillmor

Opening Statement of Representative Rubén Hinojosa


Prepared Testimony:

Mr. J. Howard Beales, III, Director of the Bureau of Consumer Protection, Federal Trade Commission

Mr. Daniel L. Mihalko, Inspector in Charge, Congressional & Public Affairs, United States Postal Inspection Service

Mr. Tim Caddigan, Special Agent in Charge, Criminal Investigative Division, United States Secret Service

Ms. Mary Ann Viverette, Chief of Police, Gaithersburg, Maryland, on behalf of the International Association of Chiefs’ of Police

Ms. Maureen V. Mitchell, Madison, OH, victim of identity theft

Commander Frank Mellott, United States Navy, victim of identity theft, on behalf of the Identity Theft Resource Center

Ms. Amy Hanson, President, Financial, Administrative Credit Services, Inc., (FACS Group), on behalf of the National Retail Federation

Mr. Jim Kallstrom, Senior Executive Vice President, MBNA America Bank

Mr. Joshua L. Peirez, Senior Vice President and Assistant General Counsel, MasterCard International

Ms. Janell Mayo Duncan, Legislative and Regulatory Counsel, Consumers Union

Mr. Joseph Ansanelli, CEO, Vontu

John Taylor, President and C.E.O., National Community Reinvestment Coalition (submitted for the record)

Mr. Lee Lundy, Vice President, Consumer Services, Experian