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