113 STAT. 2048 PROCLAMATION 7164-^AN. 29, 1999 gion, we discovered organizations and programs that have succeeded in bridging gaps between people of different races and cultures. These promising practices offer us both realistic guidelines for everyday action and genuine hope that we can respect one another's differences and embrace the values that unite us. Now it is our turn to answer the question, "What are you doing for others?" As part of our response, each year since 1994 we have made the Martin Luther King, Jr., Federal Holiday a national day of service, a day on which to honor Dr. King's legacy through service projects across our country. Instead of taking a day off, millions of our fellow Americans respond to the needs of their communities, through activities like tutoring children, sheltering the homeless, making schoolyards safer, or making public parks more inviting. Let us make this year's observance the beginning of a broader effort to improve our communities and the lives of our fellow Americans, to make the personal choices and take the personal actions that will bridge the gaps—racial and otherwise—that keep us from becoming the people we were meant to be. Working together, joining our hearts and our hands, we will succeed in building One America for the 21st century and in fulfilling the dream of Martin Luther King, Jr. NOW, THEREFORE, I, WILLIAM J. CLINTON, President of the United States of America, by virtue of the authority vested in me by the Constitution and laws of the United States, do hereby proclaim Monday, January 18, 1999, as the Martin Luther King, Jr., Federal Holiday. I call upon all Americans to observe this occasion and to honor Dr. King's legacy with appropriate programs, ceremonies, and activities. IN WITNESS WHEREOF, I have hereunto set my hand this fifteenth day of January, in the year of our Lord nineteen hundred and ninety- nine, and of the Independence of the United States of America the two hundred and twenty-third. WILLIAM J. CLINTON Proclamation 7164 of January 29, 1999 National Consumer Protection Week, 1999 By the President of the United States of America A Proclamation Consumers are too often the target of unfair, deceptive, or fraudulent practices. Modern advances in telecommunications and marketing technology have dramatically increased both the sophistication and the potential threat of such practices. Perpetrators of fraud can reach consvuners across the country through the Internet, on television, the telephone, or by direct mail, misrepresenting themselves as legitimate business people. Because their proposals appear legitimate, these unscrupulous operators frequently succeed in cheating vulnerable consumers out of hard-earned dollars. One of the most damaging fraudulent practices is credit fraud. Credit fraud—stealing credit cards or credit identities and cheating consumers through deceptive or abusive lending practices—can be difficult to rec-
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