WASHINGTON - OCTOBER 08: (L-R) Kathy Miller, board member of the Vermont Grocers' Association; David Evans, lecturer at the University of Chicago Law School; and Mark Caverly of the Credit Union National Association and the Electronic Payments Coalition, testify during a hearing before the House Financial Services Committee on Capitol Hill October 8, 2009 in Washington, DC. The hearing focused on the Credit Card Interchange Fees Act of 2009 and the Expedited CARD Reform for Consumers Act.