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<tr><td><b>Comment Number: </b></td><td>  535926-00008</td></tr>

<tr><td><b>Received: </b></td><td>6/20/2008 4:44:17 PM</td></tr>

<tr><td><b>Organization: </b></td><td>Consumers Union of U.S., Inc.</td></tr>

<tr><td><b>Commenter: </b></td><td>Gail Hillebrand</td></tr>

<tr><td><b>State: </b></td><td>CA</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Pay on the Go: Consumers and Contactless Payment (Town Hall Meeting)

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<tr><td><b>Attachments:</b></td><td><a href='535926-00008.pdf'>535926-00008.pdf</a>&nbsp<a href='http://www.adobe.com/products/acrobat/readstep2.html' target = _blank >Download Adobe Reader</a><br></td></tr></Table>

<hr><P><b>Comments:</b></p>Consumers Union filed comments today along with other consumer groups, in Pay on the Go – Project No. P059106.  Attached as an addendum submitted by Consumers Union is an article discussing principles to guide new payments law.  It was first published in the Chicago-Kent Law Review Symposium: Rethinking Payments Law.  The article is: G. Hillebrand, Before the Grand Rethinking: Five Things to Do Today with Payments Law and Ten Principles to Guide New Payments Products and New Payments Law, 83 Chi.-Kent L. Rev. No. 2, 769 (2008). 

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