WITNESS LIST SB 99 SENATE COMMITTEE REPORT Business & Commerce Committee April 12, 2005 - 9:00A Registering, but not testifying: For: Bhatia, Khelan (AARP), Austin, TX Gonzalez, Daniel (Texas Association of Realtors), Austin, TX James, Reggie (Consumers Union), Austin, TX Metzger, Luke (Texas Public Interest Research Group), Austin, TX Neeley, Karen (Independent Bankers Association of Texas), Austin, TX Against: Daugherty, Scott (Texas Bankers Association), Austin, TX On: Pettijohn, Leslie Commissioner (Consumer Credit Commissioner), Austin, TX