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Witnesses: Joseph Ansanelli, Vontu; J. Howard Beales III, FTC; Tim Caddigan, Criminal Invest. Div., U.S. Secret Service; Janell Mayo Duncan, Consumers Union; Amy Hanson, Financial Admin. & Credit Services, Inc., on behalf of the Nat. Retail Fed.; Jim Kallstrom, MBNA America Bank; Frank Mellott, U.S. Navy, victim of identify theft, on behalf of the Identity Theft Resource Center; Daniel Mihalko, U.S. Postal Inspection Service; Maureen Mitchell, Madison, OH, victim of identity theft; & Mary Ann Viverette, Chief of Police, Gaithersburg, MD, on behalf of the Internat. Assoc. of Chiefs of Police. Also includes material submitted for the record.
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