ms. brill if you wish to proceed. >> thank you chairman rockefeller and ranking member hutchison and members of the committee. i am julie brill a commissioner of his federal trade commission. appreciate the opportunity present the commission's testimony today. vast amount of personal permission about consumers are collected and used by many different types of businesses are going players, retailers, advertisers, data brokers, lenders, insurance companies and many more. imagine a cash-strapped mother working as a substitute teacher and waiting for a permanent opening. she and her husband have mounting bills so to tide them over between paychecks she gets a payday loan. she then goes to the drugstore and buys diapers and children's tylenol with her loyalty card. soon after in the mail, she gets coupons for diapers and children's and she receives an offer to refinance her mortgage on terms that seemed too good to be true. in the evening the mom goes on line to spend time on a social network site.

ms. brill, if you wish to proceed. >> thank you, mr. rockefeller. i'm julie brill, commissioner of the federal trade commission. i appreciate the opportunity to present testimony today. that amounts of information about consumers are collected and used by many different types of businesses. employers, retailers, advertises, data brokers, lenders, insurance companies and many more. imagine a cash crop mother working -- cash strapped mother working as a substitute teacher and awaiting an opening bid to tide them over between paychecks, she gets a payday loan. she then goes to the drugstore and buys diapers and children's tylenol with her loyalty card. soon after, in the mail, she gets coupons for diapers and children's motrin, and an offer to refinance her mortgage on terms that seem too good to be true. in the evening, the mother goes online to spend time on a social networking site. she notices she is receiving at tysons for toys and children's cough medicine, as well as -- advertisements for toys and children's cough medicine, as well as more loan o

brill. and austin schlick and cameron kerry. three pretty good witnesses. ms. julie brill, if you wish to proceed. >> thank you, chairman and ranking member hutchinson and members of the committee. ivan julie brill, commissioner of the federal trade commission. i appreciate the opportunity to present the commission's testimony. vast amounts of personal information about consumers are collected and used by many different types of businesses. employe years, retailers, advertisers, data brokers, lenders, insurance companies, and many more. imagine the cash strapped mother working as a substitute teacher and waiting for a permanent opening. she and her husband have mounting bills. to tide them over between paychecks she gets paid a loan. she then goes to the drug store and buys diapers and children's tylenol with her loyalty card. soon after in the mail she gets coupons for diapers and children's motrin. she receives an offer to refinance a mortgage on terms that seem too good to be true. in the evening the mom goes on line to spend time on a social network sight. w