United States Government Publishing Office publisher pbl distributor dst United States Congress House of Representatives author aut Government Organization text government publication eng CHRG Congressional Committee Materials 108_house_hearings legislative 2010-09-27 https://www.govinfo.gov/app/details/CHRG-108hhrg89408 https://www.govinfo.gov/content/pkg/CHRG-108hhrg89408/html/CHRG-108hhrg89408.htm https://www.govinfo.gov/content/pkg/CHRG-108hhrg89408/pdf/CHRG-108hhrg89408.pdf U.S. Government Printing Office 2003-04-08 monographic deposited born digital 255 digital object pages Y 4.F 49/20: https://www.govinfo.gov/app/details/CHRG-108hhrg89408 P0b002ee180ab2ac6 f:89408.done.txt DGPO 2010-09-27 2023-02-14 CHRG-108hhrg89408 machine generated eng fdlp HHRG CHRG-108hhrg89408 G HOUSE 108 1 2003-04-08 H.R. 1474--CHECK CLEARING FOR THE 21ST CENTURY ACT OTHERPART CHRG-108hhrg89408 true Cloutier, C.R., President and CEO, MidSouth Bank, NA, ICBA Chairman, on behalf of Independent Community Bankers of America and America's Community Bankers Cole, Grant, Senior Vice President and Senior Change Management Executive, Transaction Services, Bank of America, on behalf of American Bankers Association, Consumer Bankers Association, the Electronic Check Clearing House Organization, and the Financial Services Roundtable Dentlinger, Dale, Director, E*TRADE Access, E*TRADE Bank Duncan, Janell Mayo, Legislative and Regulatory Counsel, Consumers Union Ferguson, Hon. Roger W., Vice Chairman, Board of Governors of the Federal Reserve System Kniceley, Joseph, Vice President, Payment Solutions, NCR Corporation Woodham, Celia C., Director of Operations, Chartway FCU, on behalf of Credit Union National Association false 89-408 Committee on Financial Services Financial Services Subcommittee on Financial Institutions and Consumer Credit GARY L. ACKERMAN of New York Gary L. Ackerman Ackerman, Gary L. Gary Ackerman SPENCER BACHUS of Alabama Spencer Bachus Bachus, Spencer RICHARD H. BAKER of Louisiana Richard H. Baker Baker, Richard H. Richard Baker DOUG BEREUTER of Nebraska Doug Bereuter Bereuter, Doug Douglas Bereuter JUDY BIGGERT of Illinois Judy Biggert Biggert, Judy JOE BACA of California Joe Baca Baca, Joe GINNY BROWN-WAITE of Florida Ginny Brown-Waite Brown-Waite, Ginny JULIA CARSON of Indiana Julia Carson Carson, Julia MICHAEL N. CASTLE of Delaware Michael N. Castle Castle, Michael N. Michael Castle JOSEPH CROWLEY of New York Joseph Crowley Crowley, Joseph SHELLEY MOORE CAPITO of West Virginia Shelley Moore Capito Capito, Shelley Moore Mrs. Shelley Capito WM. LACY CLAY of Missouri Wm. Lacy Clay Clay, Wm. Lacy Wm. Clay ARTUR DAVIS of Alabama Artur Davis Davis, Artur RAHM EMANUEL of Illinois Rahm Emanuel Emanuel, Rahm HAROLD E. FORD, Jr. of Tennessee Harold E. Ford Jr. Ford, Harold E., Jr. Harold Ford BARNEY FRANK of Massachusetts Barney Frank Frank, Barney TOM FEENEY of Florida Tom Feeney Feeney, Tom PAUL E. GILLMOR of Ohio Paul E. Gillmor Gillmor, Paul E. Paul Gillmor LUIS V. GUTIERREZ of Illinois Luis V. Gutierrez Gutierrez, Luis V. Luis Gutierrez CHARLES A. GONZALEZ of Texas Charles A. Gonzalez Gonzalez, Charles A. Charles Gonzalez MARK GREEN of Wisconsin Mark Green Green, Mark SCOTT GARRETT of New Jersey Scott Garrett Garrett, Scott RUBEN HINOJOSA of Texas Ruben Hinojosa Hinojosa, Ruben DARLENE HOOLEY of Oregon Darlene Hooley Hooley, Darlene MELISSA A. HART of Pennsylvania Melissa A. Hart Hart, Melissa A. Melissa Hart KATHERINE HARRIS of Florida Katherine Harris Harris, Katherine JEB HENSARLING of Texas Jeb Hensarling Hensarling, Jeb JAY INSLEE of Washington Jay Inslee Inslee, Jay STEVE ISRAEL of New York Steve Israel Israel, Steve PAUL E. KANJORSKI of Pennsylvania Paul E. Kanjorski Kanjorski, Paul E. Paul Kanjorski SUE W. KELLY of New York Sue W. Kelly Kelly, Sue W. Sue Kelly PETER T. KING of New York Peter T. King King, Peter T. Peter King MARK R. KENNEDY of Minnesota Mark R. Kennedy Kennedy, Mark R. Mark Kennedy JAMES A. LEACH of Iowa James A. Leach Leach, James A. Jim Leach FRANK D. LUCAS of Oklahoma Frank D. Lucas Lucas, Frank D. Frank Lucas BARBARA LEE of California Barbara Lee Lee, Barbara STEVEN C. LaTOURETTE of Ohio Steven C. LaTourette LaTourette, Steven C. Steven Latourette KEN LUCAS of Kentucky Ken Lucas Lucas, Ken STEPHEN F. LYNCH of Massachusetts Stephen F. Lynch Lynch, Stephen F. Mr. Stephen Lynch CAROLYN B. MALONEY of New York Carolyn B. Maloney Maloney, Carolyn B. Carolyn Maloney CAROLYN McCARTHY of New York Carolyn McCarthy McCarthy, Carolyn GREGORY W. MEEKS of New York Gregory W. Meeks Meeks, Gregory W. Gregory Meeks DONALD A. MANZULLO of Illinois Donald A. Manzullo Manzullo, Donald A. Donald Manzullo GARY G. MILLER of California Gary G. Miller Miller, Gary G. Gary Miller DENNIS MOORE of Kansas Dennis Moore Moore, Dennis JIM MATHESON of Utah Jim Matheson Matheson, Jim TIM MURPHY of Pennsylvania Tim Murphy Murphy, Tim BRAD MILLER of North Carolina Brad Miller Miller, Brad ROBERT W. NEY of Ohio Robert W. Ney Ney, Robert W. Bob Ney MICHAEL G. OXLEY of Ohio Michael G. Oxley Oxley, Michael G. Michael Oxley DOUG OSE of California Doug Ose Ose, Doug RON PAUL of Texas Ron Paul Paul, Ron EDWARD R. ROYCE of California Edward R. Royce Royce, Edward R. Ed Royce JIM RYUN of Kansas Jim Ryun Ryun, Jim MIKE ROSS of Arkansas Mike Ross Ross, Mike RICK RENZI of Arizona Rick Renzi Renzi, Rick BERNARD SANDERS of Vermont Bernard Sanders Sanders, Bernard JOHN B. SHADEGG of Arizona John B. Shadegg Shadegg, John B. John Shadegg BRAD SHERMAN of California Brad Sherman Sherman, Brad CHRISTOPHER SHAYS of Connecticut Christopher Shays Shays, Christopher DAVID SCOTT of Georgia David Scott Scott, David PATRICK J. TOOMEY of Pennsylvania Patrick J. Toomey Toomey, Patrick Mr. Patrick Toomey PATRICK J. TIBERI of Ohio Patrick J. Tiberi Tiberi, Patrick J. Patrick Tiberi NYDIA M. VELAZQUEZ of New York Nydia M. Velazquez Velazquez, Nydia M. Nydia Velazquez MAXINE WATERS of California Maxine Waters Waters, Maxine MELVIN L. WATT of North Carolina Melvin L. Watt Watt, Melvin L. Melvin Watt false false United States Congress House of Representatives Committee on Financial Services associated name asn Government Organization Gary L. Ackerman United States House of Representatives committee member United States Congressional Member Spencer Bachus United States House of Representatives committee member United States Congressional Member Richard H. Baker United States House of Representatives committee member United States Congressional Member Doug Bereuter United States House of Representatives committee member United States Congressional Member Judy Biggert United States House of Representatives committee member United States Congressional Member Joe Baca United States House of Representatives committee member United States Congressional Member Ginny Brown-Waite United States House of Representatives committee member United States Congressional Member Julia Carson United States House of Representatives committee member United States Congressional Member Michael N. Castle United States House of Representatives committee member United States Congressional Member Joseph Crowley United States House of Representatives committee member United States Congressional Member Shelley Moore Capito United States House of Representatives committee member United States Congressional Member Wm. Lacy Clay United States House of Representatives committee member United States Congressional Member Artur Davis United States House of Representatives committee member United States Congressional Member Rahm Emanuel United States House of Representatives committee member United States Congressional Member Harold E. Ford Jr. United States House of Representatives committee member United States Congressional Member Barney Frank United States House of Representatives committee member United States Congressional Member Tom Feeney United States House of Representatives committee member United States Congressional Member Paul E. Gillmor United States House of Representatives committee member United States Congressional Member Luis V. Gutierrez United States House of Representatives committee member United States Congressional Member Charles A. Gonzalez United States House of Representatives committee member United States Congressional Member Mark Green United States House of Representatives committee member United States Congressional Member Scott Garrett United States House of Representatives committee member United States Congressional Member Ruben Hinojosa United States House of Representatives committee member United States Congressional Member Darlene Hooley United States House of Representatives committee member United States Congressional Member Melissa A. Hart United States House of Representatives committee member United States Congressional Member Katherine Harris United States House of Representatives committee member United States Congressional Member Jeb Hensarling United States House of Representatives committee member United States Congressional Member Jay Inslee United States House of Representatives committee member United States Congressional Member Steve Israel United States House of Representatives committee member United States Congressional Member Paul E. Kanjorski United States House of Representatives committee member United States Congressional Member Sue W. Kelly United States House of Representatives committee member United States Congressional Member Peter T. King United States House of Representatives committee member United States Congressional Member Mark R. Kennedy United States House of Representatives committee member United States Congressional Member James A. Leach United States House of Representatives committee member United States Congressional Member Frank D. Lucas United States House of Representatives committee member United States Congressional Member Barbara Lee United States House of Representatives committee member United States Congressional Member Steven C. LaTourette United States House of Representatives committee member United States Congressional Member Ken Lucas United States House of Representatives committee member United States Congressional Member Stephen F. Lynch United States House of Representatives committee member United States Congressional Member Carolyn B. Maloney United States House of Representatives committee member United States Congressional Member Carolyn McCarthy United States House of Representatives committee member United States Congressional Member Gregory W. Meeks United States House of Representatives committee member United States Congressional Member Donald A. Manzullo United States House of Representatives committee member United States Congressional Member Gary G. Miller United States House of Representatives committee member United States Congressional Member Dennis Moore United States House of Representatives committee member United States Congressional Member Jim Matheson United States House of Representatives committee member United States Congressional Member Tim Murphy United States House of Representatives committee member United States Congressional Member Brad Miller United States House of Representatives committee member United States Congressional Member Robert W. Ney United States House of Representatives committee member United States Congressional Member Michael G. Oxley United States House of Representatives committee member United States Congressional Member Doug Ose United States House of Representatives committee member United States Congressional Member Ron Paul United States House of Representatives committee member United States Congressional Member Edward R. Royce United States House of Representatives committee member United States Congressional Member Jim Ryun United States House of Representatives committee member United States Congressional Member Mike Ross United States House of Representatives committee member United States Congressional Member Rick Renzi United States House of Representatives committee member United States Congressional Member Bernard Sanders United States House of Representatives committee member United States Congressional Member John B. Shadegg United States House of Representatives committee member United States Congressional Member Brad Sherman United States House of Representatives committee member United States Congressional Member Christopher Shays United States House of Representatives committee member United States Congressional Member David Scott United States House of Representatives committee member United States Congressional Member Patrick J. Toomey United States House of Representatives committee member United States Congressional Member Patrick J. Tiberi United States House of Representatives committee member United States Congressional Member Nydia M. Velazquez United States House of Representatives committee member United States Congressional Member Maxine Waters United States House of Representatives committee member United States Congressional Member Melvin L. Watt United States House of Representatives committee member United States Congressional Member Cloutier, C.R., President and CEO, MidSouth Bank, NA, ICBA Chairman, on behalf of Independent Community Bankers of America and America's Community Bankers witness wit Hearing Witness Cole, Grant, Senior Vice President and Senior Change Management Executive, Transaction Services, Bank of America, on behalf of American Bankers Association, Consumer Bankers Association, the Electronic Check Clearing House Organization, and the Financial Services Roundtable witness wit Hearing Witness Dentlinger, Dale, Director, E*TRADE Access, E*TRADE Bank witness wit Hearing Witness Duncan, Janell Mayo, Legislative and Regulatory Counsel, Consumers Union witness wit Hearing Witness Ferguson, Hon. Roger W., Vice Chairman, Board of Governors of the Federal Reserve System witness wit Hearing Witness Kniceley, Joseph, Vice President, Payment Solutions, NCR Corporation witness wit Hearing Witness Woodham, Celia C., Director of Operations, Chartway FCU, on behalf of Credit Union National Association witness wit Hearing Witness H.R. 1474 108 COVER H.R. 1474 108 BODY Serial No. 108-20