SPEAKER INDEX    CONTENTS   INSERTS   
BENTSEN         20     21     22  
CASTLE          56     57     58     59     60  
COOK            33     35     59     61  
EHRLICH         11     12     13     14     15     16     17     18     19  
                20     21     22     23     24     25     26     60     61  
                62     63  
FOX             22     23     24  
HIX             28     31     50     51     52     55     57     61     62  
KELLY           10     22     34     35  
KENNEDY          2      6      8      9     13     16     17     18     19  
                24     25     26  
LAMALFA         41     43     49     52     54     55     57  
LAZIO            1      2      3      8     10     11     12     14     15  
                16     19     20     22     24     26     27     31     32  
                34     35     37     40     43     45     48     49     50  
                51     52     56     59     60     63  
MCCABE          37     48     49     58  
METCALF         22     27     52     53     54     55     56  
NEY              8     19     20  
THOMSON         46     53     54     56     58  
VELAZQUEZ        9  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. ROBERT L. EHRLICH, JR., A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MARYLAND 
                                                                 PAGE    11

STATEMENT OF JANICE M. HIX, PRESIDENT, NATIONAL ASSOCIATION OF MORTGAGE BROKERS, WASHINGTON, DC. 
                                                                 PAGE    28

STATEMENT OF TERRI R. COOK, RECENT HOME BUYER, MARIETTA, GA 
                                                                 PAGE    33

STATEMENT OF JAMES F. McCABE, MORRISON & FOERSTER LLP, ON BEHALF OF THE MORTGAGE BANKERS 
ASSOCIATION OF AMERICA, WASHINGTON, DC. 
                                                                 PAGE    37

STATEMENT OF THOMAS S. LaMALFA, PARTNER, WHOLESALE ACCESS, SHAKER HEIGHTS, OH  
                                                                 PAGE    41

STATEMENT OF MARK P. THOMSON, PRESIDENT, AMERICAN ASSOCIATION OF RESIDENTIAL MORTGAGE REGULATORS, 
OLYMPIA, WA 
                                                                 PAGE    45


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING