House Speaker Nancy Pelosi and Senate Majority Leader Harry Reid have named their 3 picks for a 5 member Congressional Oversight Panel required by the Wall Street bailout law enacted this fall. We have worked often with Harvard Law Professor Elizabeth Warren on consumer bankruptcy and credit card issues and also with AFL-CIO General Counsel Damon Silvers on investor protection and shareholder rights issues. Richard H. Neiman, Superintendent of Banks in New York, has given outstanding testimony and advice to the Congress on mortgage reform, regulatory restructuring and the need to preserve stronger state consumer laws. We also anticipate that next year the Congress will give serious consideration to Professor Warren's PIRG-backed proposal to establish a Consumer Credit Safety Commission. It would be modeled after the CPSC, with authority to recall or ban dangerous financial products, just as CPSC can recall or ban dangerous toys.