| | | | | | | | | | | | | | | | | | | | | | Heasley, John (Texas Bankers Association), Austin, TX |
| | | | | | James, Randall S. (Texas Department of Banking), Austin, TX |
| | | Registering, but not testifying: |
| | | | | | Carlson, Pat (Texas Eagle Forum), Fort Worth, TX |
| | | | James, Dwain (American Collectors Association of Texas), Austin, TX |
| | | | James, Reggie (Consumers Union), Austin, TX |
| | | | Sanchez, Joe (AARP - Texas), Austin, TX |
| | | | | | Bell, Patrick (Capital One Financial Corp.), New Orleans, LA |
| | | | Donohoe, Dan (JP Morgan Chase), Dallas, TX |
| | | | Owen, Allen (Wells Fargo Bank), Missouri City, TX |
| | | | Polan, Deborah (Texas Financial Services Association), Austin, TX |
| | | | Stranz, Paul (Bank of America), Dallas, TX |
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