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agencies appointed appropriate areas balance Belair bill Chairman Commission's Committee on Government companies concerns Congress congressional consensus consumer privacy consumers Culnan disclosures disease management economy efforts electronic commerce ensure expertise fair information practices Federal Trade Commission financial privacy financial services going Government Management Government Reform Hatch health information Healthways hearings HORN Hutchinson identity theft important individual privacy industry Internet Internet privacy Jim Turner Markey medical privacy medical records Mike Hatch Moran National Academies Online Privacy Alliance opt-in organizations patient personal data personal information personal privacy Peter Swire Plesser Privacy Act Privacy Commission Act privacy issues privacy laws privacy legislation privacy policies Privacy Protection Privacy Protection Study privacy regulations private sector proposed Protection Study Commission question recommendations seal program Spotila staff statement Stephen Horn Study of Privacy Subcommittee on Government testimony Thank tion vacy Veator Waxman