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| | Osobase, Derrick (Texas State Employees Union) |
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| | Markl, Mike (Health & Human Services) |
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| Registering, but not testifying: |
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| | Emerick, David (J.P. Morgan Chase) |
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| | Erben, Randy (JP Morgan Chase) |
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| | Croxson, Michael (American Association of Debt Management Org Care One Services, Inc) |
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| | Johnson, Scott (Self and US Debt Resolve) |
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| | Julal, Nicole (National Conference of Commissioners on Uniform State Laws) |
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| | Koltunowicz, Keith (United States Organization for Bankruptcy Alternatives) |
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| | Thomas, Jim (Credit and Debt Management of America) |
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| Registering, but not testifying: |
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| | Scurlock, Steve (Independent Bankers Association of Texas) |
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| | Valdez, Jerry (The Association of Settlement Companies) |
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| | Ansbach, John (USOBA, EFA Processing) |
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| | Pettijohn, Leslie (Credit Commissioner) |
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