Ms. Ann D. Duplessis, Liberty Bank, Senior Vice President, Retail Banking, Marketing and Sales on behalf of the Independent Community Bankers of America
Mr. Mallory Duncan, Senior Vice President and General Counsel, National Retail Federation on behalf of the Merchants Payments Coalition
Panel Three:
Ms. Ruth Susswein, Deputy Director, National Priorities, Consumer Action
Mr. Kenneth J. Clayton, Senior Vice President and General Counsel, ABA Card Policy Council, American Bankers Association