I was poking around the CPSIA website and found this AWESOME flowchart created by the Handmade Toy Alliance
http://docs.docstoc.com/orig/1382579/c339963d-a5ce-432b-8f6e-af0326ccbe3b.pdf
It's not just for toys - it talks about clothes other things as well. It is the most straightforward explanation of what needs to be tested etc. that I have ever seen.
Just thought it might be helpful to someone else besides me! =0)
Cheers!