SPEAKER INDEX CONTENTS INSERTS BOWNE 19 26 34 40 HINCHEY 37 38 HOVE 21 26 33 40 KINGHORN 49 59 62 64 65 66 67 68 LAFALCE 4 23 24 25 26 27 28 LEACH 1 5 6 7 8 12 47 48 49 54 58 60 61 64 65 66 67 68 LUCAS 16 19 21 23 27 28 32 36 37 38 39 40 41 42 45 46 48 LUDWIG 12 25 27 32 MCCOOL 42 45 46 47 48 REDMOND 8 36 37 RETSINAS 16 25 28 29 30 31 36 RISO 49 54 60 61 63 65 66 67 68 RIVLIN 9 24 25 38 39 ROUKEMA 5 SESSIONS 7 28 29 31 VENTO 6 32 33 34 35 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. ALICE M. RIVLIN, VICE CHAIR, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 9 STATEMENT OF HON. EUGENE A. LUDWIG, COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 12 STATEMENT OF HON. NICOLAS P. RETSINAS, DIRECTOR, OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PAGE 16 STATEMENT OF SHIRLEE P. BOWNE, VICE CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 19 STATEMENT OF ANDREW C. HOVE, JR., ACTING CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 21 STATEMENT OF THOMAS J. McCOOL, ECONOMIST/ASSOCIATE DIRECTOR, GENERAL ACCOUNTING OFFICE PAGE 42 STATEMENT OF C. MORGAN KINGHORN, JR., FELLOW, NATIONAL ACADEMY OF PUBLIC ADMINISTRATION PAGE 49 STATEMENT OF GERALD R. RISO, RISO & RISO PAGE 54 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING