Witnesses: Michael Farmer, Sr. V.P., Risk Mgt. Operations, Wachovia Bank Card Services; Bob Frederick, Chair, NCAA Committee on Sportsmanship & Ethical Conduct; Timothy Kelly, Exec. Dir., Nat. Gambling Impact Study Commission; Edwin McGuinn, CEO, eLOT, Inc., Norwalk, CT; Mark VanNorman, Exec. Dir., Nat. Indian Gaming Assoc.; Bob Goodlatte, a member of Congress from VA; Jon Kyl, a U.S. Senator from AZ; & James Leach, a member of Congress from IA. Additional material: Spencer Bachus, 2000 Nellie Mae Credit Card Study; Timothy Kelly, Gambling Backlash: Time for a Moratorium on Casino & Lottery ExpansionÓ; U.S. Dept. of Justice, prepared statement; & U.S. Dept. of the Treasury, prepared statement.Bachus, Spencer is the author of 'H. R. 556 - The Unlawful Internet Gambling Funding Prohibition Act and Other Internet Gambling Proposals : Congressional Hearing', published 2003 under ISBN 9780756734107 and ISBN 075673410X.