Moderators:

• Amy S. Friend, Assistant Chief Counsel, Office of the Comptroller of the
  Currency
• Stephanie Martin, Assistant General Counsel, Board of Governors of the
  Federal Reserve System

Panelists:

• Stephen Durkee, Vice President and Privacy Implementation Officer,
  Citigroup Inc.
• Richard H. Harvey, Jr., Vice President and Chief Compliance & Privacy
  Officer, Chevy Chase Bank
• Julia F. Johnson, Chief Privacy Officer, Bank One Corporation
• Ellen L.S. Koplow, Senior Vice President and General Counsel,
  Ameritrade Holding Corporation
• Paul D. Metrey, Director of Regulatory Affairs, Legal and Regulatory
  Group, National Automobile Dealers Association
• Pauline C. Scalvino, Principal, Legal Department, The Vanguard Group
• Stacy Suggs, Assistant Vice President of Compliance, Bank Independent
• Robin K. Warren, Privacy Executive, Bank of America Corporation

Representatives of financial institutions will discuss the challenges they faced in developing their privacy notices. A 15-minute question-and-answer period from the workshop attendees will begin at 10:30.

Moderators:

• Toby Milgrom Levin, Senior Attorney, Division of Financial Practices,
  Federal Trade Commission
• Mary Culnan, Slade Professor of Management and Information
  Technology, Bentley College

Panelists:

• E. Joyce Gould, Health Care Project Director, Citizen Action of New York
• Jim Harper, Editor, Privacilla.org
• Chris Hoofnagle, Legislative Counsel, Electronic Privacy Information
  Center
• David Krane, Senior Vice President, Public Policy and Public Affairs
  Research, Harris Interactive/Privacy Leadership Initiative
• Ari Schwartz, Associate Director, Center for Democracy and Technology
• Frances B. Smith, Executive Director, Consumer Alert
• Frank Torres, Legislative Counsel, Consumers Union

Representatives of consumer and privacy groups and academics will provide their perspective on the challenges in providing effective notices. A 15-minute question-and-answer period from the workshop attendees will begin at 12:15.

Remarks: Commissioner Mozelle W. Thompson, Federal Trade Commission

Moderators:

• Penelope W. Saltzman, Senior Counsel, Office of Regulatory Policy,
  Division of Investment Management, Securities and Exchange
  Commission
• William Lutz, Professor of English, Rutgers University in Camden, New
  Jersey

Panelists:

• Deborah S. Bosley, Ph.D., Director of the University Writing Programs at
  the University of North Carolina at Charlotte
• Irene A. Etzkorn, Managing Director of Corporate Administration,
  Siegelgale, Inc.
• Josiah Fisk, Writer and Principal, Firehouse Financial Communications
  LLC
• Lynn Riddle, Creative Director and Principal, Firehouse Financial
  Communications LLC
• Mark Hochhauser, Ph.D., Readability Consultant
• Alan Levy, Ph.D., Senior Scientist, Consumer Studies Team, Center for
  Food Safety and Applied Nutrition, Food and Drug Administration

Communications experts will provide guidance in communicating complex information to consumers. They will discuss various tools that may assist financial institutions in crafting understandable privacy notices, including examples of "before" and "after" policy provisions based on mock notices. A 15-minute question-and-answer period from the workshop attendees will begin at 3:00.

Moderators:

• Nancy Yanofsky, Assistant Chief Counsel of the Division of Economic
  Analysis, Commodity Futures Trading Commission
• John Fielding, Senior Counsel, National Association of Insurance
  Commissioners

Panelists:

• Martin E. Abrams, Senior Policy Advisor and Executive Director, Center
  for Information Policy Leadership, Hunton & Williams
• John C. Dugan, Partner, Covington & Burling, Outside Counsel for
  Financial Services Coordinating Council
• Patricia Faley, Senior Vice President, Ethics and Consumer Affairs, The
  Direct Marketing Association, Inc.
• Tena Friery, Research Director, Privacy Rights Clearinghouse
• Susan E. Henrichsen, Deputy Attorney General, Office of the California
  Attorney General
• David Klaus, Executive Director, Privacy Leadership Initiative
• Fran Maier, Executive Director, TRUSTe

Representatives from industry, consumer groups, and state government will describe their initiatives to provide effective privacy notices and develop consumer education campaigns. A 15-minute question-and-answer period from the workshop attendees will begin at 5:00.