California Consumer Privacy Act Regulations

On July 8, 2022, the California Privacy Protection Agency commenced the formal rulemaking process to adopt regulations to implement the Consumer Privacy Rights Act of 2020 (CPRA). The proposed regulations: (1) update existing CCPA regulations to harmonize them with CPRA amendments to the CCPA; (2) operationalize new rights and concepts introduced by the CPRA to provide clarity and specificity to implement the law; and (3) reorganize and consolidate requirements set forth in the law to make the regulations easier to follow and understand.

Notice Register Publication Date: July 8, 2022

Status of the Proposal: The rulemaking is complete. On March 29, 2023, the Office of Administrative Law approved the California Privacy Protection Agency’s regulations and filed them with the Secretary of State. The regulations became effective on March 29, 2023.

Rulemaking 1

A. Documents

March 29, 2023 - Final Rulemaking Documents

Final Regulations Text
Final Statement of Reasons
Final Statement of Reasons Addendum
Final Statement of Reasons – Appendix A (45-Day Comment Summaries and Responses)
Final Statement of Reasons - Appendix B (45-Day Commenter Index)
Final Statement of Reasons – Appendix C (15-Day Comment Summaries and Responses)
Final Statement of Reasons - Appendix D (15-Day Commenter Index)
Final Economic and Fiscal Impact Statement (STD 399)
Final STD 399 Addendum
Notice of Approval
Updated Informative Digest

November 3, 2022 – Public Notice of Proposed Modifications and Additional Materials Relied Upon

Modified Text of Proposed Regulations
Notice of Modifications to Text of Proposed Regulations
Additional Documents and Information Relied Upon

July 8, 2022 - Public Notice of Rulemaking and Related Documents

Notice of Proposed Rulemaking, pdf
Text of Proposed Regulations, pdf
Initial Statement of Reasons, pdf
Appendix A to Initial Statement of Reasons, Materials Relied On, pdf
Economic and Fiscal Impact Statement (STD 399), pdf
STD 399 Attachment, pdf

B. Public Comments

Comments received during the 45 Day Comment Periods are linked below.

Written Comments

Name	Organization	Comment #	Comment (ID, pages)
ITNCorp	W1	PDF1 – 1
Thomas Gerhart	W2	PDF1 – 2-9
Chris Riley, Brandon Pugh, Sofia Lenmes	R Street Institute	W3	PDF1 – 11-15
Donna Steward	HITRUST	W4	PDF1 – 16-20
Howard Fienberg	Insights Association	W5	PDF1 – 21-26
Michael Geroe	W6	PDF1 – 27-30
Kevin Walsh	Spark Institute	W7	PDF1 – 31-33
Anonymous	W8	PDF1 – 34
David Zetoony, Andrew Maciejewski, Madison Etherington	Washington Legal Foundation	W9	PDF1 – 35-100
Khara Boender	Computer and Communications Industry Association	W10	PDF1 – 101-139
Melissa MacGregor	Securities Industry and Financial Markets Association	W11	PDF1 – 140-154
Elcid Choi	W12	PDF1 – 155-156
Harold Furchtgott-Roth, Kirk R. Arner	Center for the Economics of the Internet Hudson Institute	W13	PDF1 – 157-160
Jordan Crenshaw	United States Chamber of Commerce Technology Engagement Center	W14	PDF1 – 161-168
Craig Erickson	PrivacyPortfolio	W15	PDF1 – 169-170
Sebastian Zimmeck	Wesleyan University	W16	PDF1 – 171-173
Kate Goodloe	BSA \| The Software Alliance	W17	PDF1 – 174-187
Mike Belote	California Advocates	W18	PDF1 – 188-198
Paul Bannister, Don Marti	CafeMedia	W19	PDF1 – 199-201
William Harris, Alina von Davier, Alan Thiemann, Donna McPartland, Lauren Scheib	Association of Test Publishers	W20	PDF1 – 202-215
Sarah Boudreau	Office of Assemblymember Kevin Kiley	W21	PDF1 – 216
Peter Ferrell, Spencer Pederson	National Electrical Manufacturers Association	W22	PDF1 – 217-219
Lior Strahilevitz, Marshini Chetty, Matthew Kugler, Brennan Schaffner	University of Chicago, Northwestern University	W23	PDF1 – 220-227
Rachel Michelin	California Retailers Association	W24	PDF1 – 228-237
Frank Salinger, Toni Bellissimo	Card Coalition	W25	PDF1 – 238-247
Clarissa Cerda	Pindrop Security	W26	PDF2 – 1-6
Dan Frechtling	Boltive	W27	PDF2 – 7-21
Dominique Shelton Leipzig	California Chamber of Commerce	W28	PDF2 – 22-71
David Saunders	McDermott Will and Emery	W29	PDF2 – 72-80
Divya Sridhar	Software and Information Industry Association	W30	PDF2 – 81-94
Katherine Pregel	Laboratory Corporation of American Holdings	W31	PDF2 – 95-98
Richard Shanahan	Hitachi Group Companies	W32	PDF2 – 99-103
Andrew Kingman	State Privacy and Security Coalition	W33	PDF2 – 104-116
Susan Milazzo, Pete Mills	California Mortgage Bankers Association, Mortgage Bankers Association	W34	PDF2 – 117-122
John Mangan, Matthew Powers	American Council of Life Insurers, Association of California Life and Health Insurance Companies	W35	PDF2 – 123-129
Chris Shimoda	California Trucking Association	W36	PDF2 – 130-137
Danielle Coffey	News Media Alliance	W37	PDF2 – 138-151
Matthew McGuire	DeFi Labs GmbH aka Violet	W38	PDF2 –152-157
Leticia Garcia	California Grocers Association	W39	PDF2 – 158-162
Chris Pedigo	Digital Content Next	W40	PDF2 – 163-171
Hilary Cain	Alliance for Automotive Innovation	W41	PDF2 – 172-177
privacyprosh	W42	PDF2 – 178-187
Kevin Gould	California Bankers Association	W43	PDF2 – 188-196
Christopher Oswald	Association of National Advertisers	W44	PDF2 – 197-218
Matthew Kownacki	American Financial Services Association	W45	PDF2 – 219-226
Joanne Furtsch	TrustArc	W46	PDF2 – 227-234
Irene Ly, Jolina Cuaresma	Common Sense Media	W47	PDF2 – 235-239
Fielding Greaves, Reed Abrahamson	Biocom California, International Pharmaceutical and Medical Device Privacy Consortium	W48	PDF2 – 240-245
Tracy Locklin	National Student Clearinghouse	W49	PDF2 – 246-249
Christopher Oswald, Alison Pepper, Clark Rector, Lartease Tiffith, Lou Mastria	Association of National Advertisers, American Association of Advertising Agencies, Interactive Advertising Bureau, American Advertising Federation, Digital Advertising Alliance	W50	PDF2 – 250-258
Jane Horvath	Apple	W51	PDF3 – 1-18
Angelena Bradfield	Bank Policy Institute	W52	PDF3 – 19-52
Matt Schwartz, Brian Scarpelli	ACT \| The App Association	W53	PDF3 – 53-62
Edwin Lombard III, Julian Cañete, Pat Fong Kushida	California Hispanic Chambers of Commerce, Greater Los Angeles African American Chamber of Commerce, California African American Chamber of Commerce, Regional Cal Black Chamber SFV, CalAsian Chamber of Commerce, Black Business Association, Black Chamber of Commerce, SFA ACC, Crenshaw Chamber of Commerce, Kern County Black Chamber of Commerce	W54	PDF3 – 63-70
Andrea Amico	Privacy4Cars	W55	PDF3 – 71-77
Michael Yang, Raisa Litmanovich	Proofpoint, Rapid7	W56	PDF3 – 78-83
J. David Grossman	Consumer Technology Association	W57	PDF3 – 84-94
Daniella Doern	Internet Safety Labs	W58	PDF3 – 95-103
Eric Goldman	Santa Clara University School of Law High Tech Law Institute	W59	PDF3 – 104-114
Caitriona Fitzgerald	Electronic Privacy Information Center, California Public Interest Research Group Education Fund, Center for Digital Democracy, Consumer Action, Consumer Federation of America, Ranking Digital Rights, United States Public Interest Research Group	W60	PDF3 – 115-141
Allison Adey, Christian Rataj	Personal Insurance Federation of California, National Association of Mutual Insurance Companies	W61	PDF3 – 142-147
Hayley Tsukayama, Becca Cramer-Mowder, Jacob Snow, Emory Roane, Tracy Rosenberg, Susan Grant, Sean Taketa McLaughlin, Ruth Susswein	Electronic Frontier Foundation, American Civil Liberties Union California Action, Privacy Rights Clearinghouse, Oakland Privacy, Media Alliance, Consumer Federation of America, Access Humboldt, Consumer Action	W62	PDF3 – 148-163
Gerard Keegan, Avonne Belle, Jake Lestock	CTIA	W63	PDF3 – 164-202
Andrew Alsup	W64	PDF3 – 203
Denneile Ritter	American Property Casualty Insurance Association	W65	PDF3 – 204-216
Michele Schuster, Joshua Stevens, Alexander Walker	Professional Association for Customer Engagement	W66	PDF3 – 217-226
Robert Lapsley	California Business Roundtable	W67	PDF3 – 227-234
Leigh Freund	Network Advertising Initiative	W68	PDF3 – 235-255
Dylan Hoffman	TechNet	W69	PDF3 – 256-272
Keir Lamont, Jason Snyder	Future of Privacy Forum	W70	PDF3 – 273-283
Benjamin Isaacson	In-House Privacy	W71	PDF3 – 284-290
Eric Ellman	Consumer Data Industry Association	W72	PDF3 – 291-298
Randy Powell	W73	PDF3 – 299-300
Anthony Stark	ZoomInfo	W74	PDF3 – 301-306
Cynthia Pantazis	Google	W75	PDF3 – 307-328
Sun Park	SAFE Credit Union	W76	PDF4 – 1-3
Maya McKenzie	Entertainment Software Association	W77	PDF4 – 4-14
California Lawyers Association Privacy Law Section	W78	PDF4 – 15-34
Sam Chung	California Life Sciences	W79	PDF4 – 35-38
Diana Dykstra	California Credit Union League	W80	PDF4 – 39-49
Tracy Shapiro, Eddie Holman	Wilson Sonsini Goodrich and Rosati	W81	PDF4 – 50-59
Workday	W82	PDF4 – 60-65
Justin Brookman	Consumer Reports	W83	PDF4 – 66-80
Jessica Lee	Loeb and Loeb	W84	PDF4 – 81-92
Markus Lampinen, Jouko Ahvenainen, Paul Jurcys	Prifina	W85	PDF4 – 93-101
James Snell	W86	PDF4 – 102-113
Alex Bennett	W87	PDF4 – 114
Twilla Case	W88	PDF4 – 115
Kyla Christoffersen Powell	Civil Justice Association of California	W89	PDF4 – 116-135
Alastair Mactaggart	Californians for Consumer Privacy	W90	PDF4 – 136-206
Asian Industry Business to Business; Associated Builders and Contractors Northern California; Automotive Service Councils of California; Bay Area Builders Exchange; Beverly Hills Chamber of Commerce; BuildOUT California; California African American Chamber of Commerce; California Asian Chamber of Commerce; California Association of Realtors; California Autobody Association; California Automotive Business Coalition; California Beer and Beverage Distributors; California Black Chamber of Commerce; California Builders Alliance; California Business Properties Association; California Business Roundtable; California Chamber of Commerce; California Craft Brewers Association; California Delivery Association; California Farm Bureau Association; California Food Producers; California Golf Course Owners Association; California Hispanic Chambers of Commerce; California Manufacturers and Technology Association; California Medical Association; California New Car Dealers Association; California Pool and Spa Association; California Restaurant Association; California Retailers Association; California Small Business Association; California Tire Dealers Association; California Urban Partnership; California's Builders Alliance; Coalition of Labor, Agriculture, and Business; Coalition of Small and Disabled Veteran Businesses; Culver City Chamber of Commerce; Danville Area Chamber of Commerce; El Dorado County Chamber of Commerce; Elk Grove Chamber of Commerce; Family Business Association of California; Flasher Barricade Association; Folsom Chamber of Commerce; Glendale Chamber of Commerce; Golden Gate Business Association; Golden Gate Restaurant Association; Greater Arden Chamber of Commerce; Greater Stockton Area Chamber; Independent Automotive Professionals Association; Latin Business Association; Long Beach Area Chamber of Commerce; Los Angeles County Business Federation; Los Angeles Latino Chamber of Commerce; National Association of Women Business Owners; National Federation of Independent Business; Nevada County Contractors Association; North Coast Builders Exchange; Orange County Business Council; Orange County Hispanic Chamber of Commerce; Painting and Decorating Contractors Association of Sacramento; Placer County Contractors' Association; Plumbing-Heating-Cooling Contractors of California; R Street Corridor; Rancho Cordova Chamber of Commerce; Roofing Contractors Association of California; Sacramento Black Chamber of Commerce; San Juan Capistrano Chamber of Commerce; Santa Monica Chamber of Commerce; SCALE Health; Slavic American Chamber of Commerce; Small Business California; Tech CA; United Chamber Advocacy Network; United Chambers of Commerce of the San Fernando Valley; Valley Contractors Exchange; Valley Industry and Commerce Association; Ventura County Contractors Association; Western Steel Council; Wine Institute; Yuba Sutter Chamber of Commerce	W91	PDF4 – 207-213
Justin Kloczko	Consumer Watchdog	W92	PDF4 – 214-217
Jamiene A	W93	PDF4 – 218
Ashlee Garrison	Social Hour With ASH	W94	PDF4 – 219
Nikki Ayers	W95	PDF4 – 220-221
Buck Stoval	W96	PDF4 – 222
Jan Stieger	Receivables Management Association International	W97	PDF4 – 223-237
Matt Kurlan	W98	PDF4 – 238
Joseph	W99	PDF4 – 239
Robin West	W100	PDF4 – 240-242
D. Shackelford	W101	PDF4 – 243-244
Anonymous	W102	PDF4 – 246-252

Oral Comments

Name	Organization	Comment #	Transcript (ID, pages)
Edwin Lombard	O1	PDF5 – 10-12
Julian Cañete	California Hispanic Chambers of Commerce	O2	PDF5 – 12-14
Craig Erickson	O3	PDF5 – 14-15
McKenzie Lombard	Wild Fern Marketing	O4	PDF5 – 15-16
Cheryl Brownlee	CB Communications	O5	PDF5 – 17-18
Don Marti	CafeMedia	O6	PDF5 – 20-22
Dan Frechtling	Boltive	O7	PDF5 – 22-26
Rich Wallace	Southern California Black Chamber of Commerce	O8	PDF5 – 27-28
Chris Pedigo	Digital Content Next	O9	PDF5 – 29-31
Travis Frazier	Association of National Advertisers	O10	PDF5 – 32-36
Justin Kloczko	O11	PDF5 – 37-40
Andrea Cao	California Asian Pacific Chamber of Commerce	O12	PDF5 – 40-42
Nick Hill	Kern County Black Chamber of Commerce	O13	PDF5 – 43
Samuel Washington	Silicon Valley Black Chamber of Commerce	O14	PDF5 – 45-47
Mike Geroe	O15	PDF5 – 49-50
Johan Gallo	California Automotive Business Coalition	O16	PDF5 – 51-53
John Kabateck	National Federation of Independent Business	O17	PDF5 – 54-57
Andrew Alsup	O18	PDF5 – 57-58
Lucy Chinkezian	Civil Justice Association of California	O19	PDF5 – 58-61
Ben Hayes	Zeta Global	O20	PDF5 – 62-63
Alexis Carmichael	19 Meadow	O21	PDF5 – 63-65
Lou Mastria	Digital Advertising Alliance	O22	PDF6 – 8-10
Joel Odelson	O23	PDF6 – 10-12 PDF6 – 36-38
Ben Medina	San Juan Capistrano Chamber of Commerce	O24	PDF6 – 13-15
Justin Brookman	Consumer Reports	O25	PDF6 – 15-18
Robin West	O26	PDF6 – 19-22
Alistair Mactaggart	O27	PDF6 – 22-25
Sarah Geoghegan	Electronic Privacy Information Center	O28	PDF6 – 26-29
Bud Tender	O29	PDF6 – 29-31
Yadi	O30	PDF6 – 32-35

Comments Received After Close of Comment Period

Name	Organization	Comment #	Transcript (ID, pages)
Rick Brandt	Real Estate Office of Rick Brandt	L1	PDF7 – 1-2
Christopher Oswald, David Leduc, Clark Rector, Alison Pepper, Lartease Tiffith, Lou Mastria	Association of National Advertisers, Network Advertising Initiative, American Advertising Federation, American Association of Advertising Agencies, Interactive Advertising Bureau, Digital Advertising Alliance	L2	PDF7 – 3-7
Michael Yang, Raisa Litmanovich	Proofpoint, Rapid 7	L3	PDF7 – 8-10
Pat Whelan	Adtoniq	L4	PDF7 – 11-13
National Federation of Independent Business, California Asian Chamber of Commerce, California Hispanic Chambers of Commerce, National Association of Women Business Owners, Small Business California	L5	PDF7 – 14-19

Download Comments (PDF)

Index of Comments
CPPA RM1 45day Written Comments 1-25.pdf
CPPA RM1 45day Written Comments 26-50.pdf
CPPA RM1 45day Written Comments 51-75.pdf
CPPA RM1 45day Written Comments 76-102.pdf
CPPA RM1 Hearing Oral Comments - Day 1 (2022.08.24)
CPPA RM1 Hearing Oral Comments - Day 2 (2022.08.25)
CPPA RM1 Comments Received After the Close of Comment Period

Comments received during the 15 Day Comment Period are linked below.

Written Comments

Name	Organization	Comment #	Comment (ID, pages)
Ronak Daylami	Acclamation Insurance Management Services, Advanced Medical Technology Association, Aerospace and Defense Alliance of California, Alliance for Automotive Innovation, Allied Managed Care, American Association of Advertising Agencies, American Council of Life Insurers, American Property Casualty Insurance Association, Association of California Life and Health Insurances Companies, Association of National Advertisers, Auto Care Association, Biocom California, Brea Chamber of Commerce, BSA The Software Alliance, California Building Owners and Managers Association, California Association of Collectors, California Association of Health Facilities, California Association of Winegrape Growers, California Attractions and Parks Association, California Bankers Association, California Beer and Beverage Distributors, California Business Properties Association, California Chamber of Commerce, California Credit Union League, California Farm Bureau, California Grocers Association, California Hospital Association, California Hotel and Lodging Association, California Land Title Association, California Manufacturers and Technology Association, California New Car Dealers Association, California Restaurant Association, California Retailers Association, California Self Storage Association, California State Council of the Society for Human Resource Management, California Travel Association, California Water Association, Carlsbad Chamber of Commerce, California Automotive Wholesalers’ Association, Chino Valley Chamber of Commerce, Civil Justice Association of California, Coalition of Small and Disabled Veteran Businesses, Consumer Data Industry Association, Costa Mesa Chamber of Commerce, Escrow Institute of California, Family Business Association of California, Fidelity Investments, Flasher Barricade Association, Fresno Chamber of Commerce, Greater Coachella Valley Chamber of Commerce, Greater High Desert Chamber of Commerce, Greater Riverside Chamber of Commerce, Greater San Fernando Valley Chamber of Commerce, Housing Contractors of California, Insights Association, Laguna Niguel Chamber of Commerce, Long Beach Area Chamber of Commerce, Los Angeles Area Chamber of Commerce, Murrieta/Wildomar Chamber of Commerce, NAIOP Commercial Real Estate Development Association California, National Association of Mutual Insurance Companies, Palos Verdes Peninsula Chamber of Commerce, Personal Insurance Federation of California, Rancho Cordova Area Chamber of Commerce, San Gabriel Valley Economic Partnership, San Marcos Chamber of Commerce, Santa Barbara South Coast Chamber of Commerce, Santa Clarita Valley Chamber of Commerce, Santa Maria Valley Chamber of Commerce, Software and Information Industry Association, Southwest California Legislative Council, TechNet, Torrance Area Chamber of Commerce, Tri County Chamber Alliance, United Parcel Service, Valley Industry and Commerce Association, West Ventura County Business Alliance, Western Electrical Contractors Association, Western Growers Association, Wine Institute	W103	PDF1 – 1-6
Pat Whelan	Adtoniq	W104	PDF1 – 7
J. Munoz	W105	PDF1 – 8-9
Tim Rouse	SPARK Institute	W106	PDF1 – 10-13
Howard Fienberg, Stuart Pardau, Blake Edwards	Insights Association	W107	PDF1 – 14-23
Diana Dykstra	California Credit Union League	W108	PDF1 – 24-32
Tracy Chou	Block Party	W109	PDF1 – 33-37
Otaku Nation	W110	PDF1 – 38-41
Theresa Rodriguez Fritz	Fritz Law Offices	W111	PDF1 – 42-44
Divya Sridhar	Software and Information Industry Association	W112	PDF1 – 45-53
Julian Cañete, Edwin Lombard, Pat Fong Kushida	California Hispanic Chambers of Commerce, Greater Los Angeles African American Chamber of Commerce, Regional Cal Black Chamber SFV, Black Business Association, Kern County Black Chamber of Commerce, Black Chamber of Commerce, California Asian Pacific Chamber of Commerce, Crenshaw Chamber of Commerce, San Francisco African American Chamber of Commerce, ELM Strategies	W113	PDF1 – 54-63
Aaron Harburg	W114	PDF1 – 64-68
Robert Lapsley	California Business Roundtable	W115	PDF1 – 69-74
Dominique Shelton Leipzig	California Chamber of Commerce	W116	PDF1 – 75-99
American Property Casualty Insurance Association	W117	PDF1 – 100-103
Chris Shimoda	California Trucking Association	W118	PDF1 – 104-112
David Zetoony, Andrea Maciejewski, Madison Etherington	Washington Legal Foundation	W119	PDF1 – 113-116
Rachel Michelin	California Retailers Association	W120	PDF1 – 117-123
California Lawyers Association Privacy Law Section	W121	PDF1 – 124-137
Christopher Oswald, Lartease Tiffith, Lou Mastria, Alison Pepper, Clark Rector	Association of National Advertisers, Interactive Advertising Bureau, Digital Advertising Alliance, American Association of Advertising Agencies, American Advertising Federation	W122	PDF1 – 138-152
BSA \| The Software Alliance	W123	PDF1 – 153-164
Andrew Kingman	State Privacy and Security Coalition	W124	PDF1 – 165-176
Eric Ellman	Consumer Data Industry Association	W125	PDF1 – 177-183
Pavan Kochar	Certree	W126	PDF1 – 184-196
Alan Butler, John Davisson, Sara Geoghegan, Caitriona Fitzgerald, Ben Winters, Suzanne Bernstein	Electronic Privacy Information Center	W127	PDF1 – 197-208
Kevin Gould	California Bankers Association	W128	PDF1 – 209-214
Justin Brookman	Consumer Reports	W129	PDF2 – 1-6
privacyprosh	W130	PDF2 – 7-18
Movement for an Open Web	W131	PDF2 – 19-23
Alvaro Marañon	Computer and Communications Industry Association	W132	PDF2 – 24-38
John Mangan, Matthew Powers	American Council of Life Insurers, Association of California Life and Health Insurance Companies	W133	PDF2 – 39-43
Gerard Keegan, Avonne Bell, Jake Lestock	CTIA	W134	PDF2 – 44-65
Jolina Cuaresma, Irene Ly	Common Sense Media	W135	PDF2 – 66-70
Jordan Crenshaw	United States Chamber of Commerce Technology Engagement Center	W136	PDF2 – 71-75
Cynthia Pantazis	Google	W137	PDF2 – 76-85
Matthew Kownacki	American Financial Services Association	W138	PDF2 – 86-90
Dylan Hoffman	TechNet	W139	PDF2 – 91-105
Hilary Cain	Alliance for Automotive Innovation	W140	PDF2 – 106-109
Fielding Greaves, Sam Chung, Reed Abrahamson	Biocom California, California Life Sciences, International Pharmaceutical and Medical Device Privacy Consortium	W141	PDF2 – 110-112
Brian Scarpelli, Matt Schwartz	ACT \| The App Association	W142	PDF2 – 113-120
Don Erickson	Security Industry Association	W143	PDF2 – 121-123
James Williams, Juliana Goldrosen	Santa Clara County Counsel	W144	PDF2 – 124-128
Emory Roane, Halyley Tsukayama, Becca Cramer-Mowder, Jacob Snow, Tracy Rosenberg, Susan Grant	Electronic Frontier Foundation, American Civil Liberties Union Action, Privacy Rights Clearinghouse, Oakland Privacy, Media Alliance, Consumer Federation of America	W145	PDF2 – 129-143
Gregg Rozansky	Bank Policy Institute	W146	PDF2 – 144-156
David LeDuc	Network Advertising Initiative	W147	PDF2 – 157-161
Internet Safety Labs	W148	PDF2 – 162-165
Michael Kans	W149	PDF2 – 166-177
Toni Bellissimo, Frank Salinger	Card Coalition	W150	PDF2 – 178-185
Tracy Shapiro, Eddie Holman	Wilson Sonsini Goodrich and Rosati	W151	PDF2 – 186-192
Lusine Chinkezian	Civil Justice Association of California	W152	PDF2 – 193-203
Lori Enrico	Giannetta and Enrico	W153	PDF2 – 204-211
Allison Adey, Christian Rataj	Personal Insurance Federation of California	W154	PDF2 – 212-217
Melissa MacGregor	Security Industry and Financial Markets Association	W155	PDF2 – 218-224
Anonymous	W156	PDF2 – 225-233
Jan Stieger	Receivables Management Association International	W157	PDF2 – 234-243