| Submitted By | Date Received | 
| Daniel L. Hulseapple - Comment | 07/16/04 | 
| Pickett, Bradford & Associates, P.A. - Comment | 07/20/04 | 
| M C Bank & Trust Company, Morgan City, LA - Comment | 07/26/04 | 
| Gogebic Range Bank -
        Comment | 07/27/04 | 
| James K. Caldwell - 
            Comment | 08/02/04 | 
| National Association of Realtors, Washington, DC - 
       Comment | 08/05/04 | 
| Independent Community Bankers 
        of America, Washington, DC -  Comment | 08/12/04 | 
| MetLife Bank, N.A. -
          Comment | 08/11/04 | 
| American Insurance Association, Washington, DC -
         Comment | 08/16/04 | 
| American Bankers Insurance Association, Washington, DC -
         Comment | 08/16/04 | 
| American Bankers Association, Washington, DC -
         Comment (PDF) | 08/13/04 | 
| VISA USA Inc., San Francisco, CA -
          Comment | 08/13/04 | 
| Consumers Union, San Francisco, CA -
          Comment | 08/16/04 | 
| BMO 
     Financial Group, Chicago, IL -
          Comment | 08/16/04 | 
| Wells Fargo, San Francisco, CA -
          Comment | 08/16/04 | 
| State Farm Mutual Automobile Insurance Co, Bloomington, IL -
          Comment | 08/16/04 | 
| JPMorgan Chase Bank, New York, NY -
          Comment | 08/17/04 | 
| America’s Community Bankers, Washington, DC -
          Comment | 08/17/04 | 
| Capital One Financial Corporation, McLean, VA -
          Comment | 08/12/04 | 
| Lily Jelalian, Paterson, NJ -  Comment | 8/24/04 | 
| American Council of Life Insurers 
        -  Comment 
        (PDF) | 08/16/04 | 
| Bank of America 
        -  Comment 
        (PDF) | 08/16/04 | 
| MasterCard International 
        -  Comment 
        (PDF) | 08/16/04 | 
| Wisconsin Bankers Association 
        -  Comment 
        (PDF) | 08/16/04 | 
| Financial Services Roundtable 
        -  Comment 
        (PDF) | 08/16/04 | 
| Wachovia Corporation 
        -  Comment 
        (PDF) | 08/16/04 | 
| Mortgage Bankers Association 
        -  Comment 
        (PDF) | 08/16/04 | 
| National Association of Attorneys 
        General 
        -  Comment 
        (PDF) | 08/16/04 | 
| Coalition to Implement The FACT 
        Act 
        -  Comment 
        (PDF) | 08/16/04 |