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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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