Esther Peterson, Special Assistant to the President for Consumer Affairs, Elinor Guggenheimer, commissioner, Department of Consumer Affairs, City of 3 Linda Hudak, legislative director, Consumer Federation of America 36 44 61 James L. Brown, director, Center for Consumer Affairs, University of Wis- 79 Roy G. Green, on behalf of the U.S. League of Savings Associations. J. Frederic Ruf, vice president, Marshall & Isley Bank, Milwaukee, Wis Eugene M. Tangney, on behalf of the American Bankers Association Hank E. Koehn, vice president of operations planning, Security Pacific Na- tional Bank, Los Angeles, Calif...... Maurice W. Gregg, on behalf of the National Retail Merchants Association...... Karen H. Brown, director of consumer affairs, Food Marketing Institute .... Milton W. Schober, special credit counsel, American Retail Federation........... David A. Huemer, senior vice president, VISA U.S.A., Inc., Washington, D.C .. ADDITIONAL STATEMENTS AND DATA Associated Credit Bureaus, Inc., letter from John L. Spafford, president Brown, James L., answers to questions of Senator Riegle received subsequent 143 Consumer Federation of America, answers of Linda Hudak, legislative director, 43 273 Federal Reserve Board: Answers to subsequent questions from members of the committee .......... 166, 214 162 Federal Trade Commission, Bureau of Consumer Protection, answers to sub- Page sequent questions of Senator Schmitt Food Marketing Institute, comments on S. 2065 Guggenheimer, Elinor C., Commissioner, New York City Department of Consumer Affairs, reprint of paper titled "Survey of Banking Services and Electronic Fund Transfers" 194 297 17 331 National Automated Clearing House Association, letter from Virgil M. Dissmeyer, executive vice president......... National Commission on Electronic Fund Transfers, excerpt from part 1 of final report........ 317 National Consumer Law Center, answers to questions from Senator Schmitt received subsequent to the hearing 144 National Savings and Loan League, statement received for the record 321 Science News, reprint of article titled "Insulin Gene Researchers Admit 146 Wisconsin Banking Commission, letter from Robert A. Patrick, attorney 373 CHARTS AND TABLES Consumer attitude towards banking and financial transactions Consumer preference between conventional checking and electronic banking Features disliked about cash dispensers Improved financial transactions because of features of electronic banking ............ Selected electronic fund transfers: Consumer experience and satisfaction |