SPEAKER INDEX    CONTENTS   INSERTS   
CARSON          51     56  
CASTLE          43     45     46     47     48     49     50     51  
CINCOTTA        57     60     67     68     71     72  
EDWARDS         60     65     66  
ENGLAND-JOSEPH    15     22     29     37     40  
FOX             34     35     36     37     38  
GAFFNEY         20     22     23     28     35     36     40  
GUTIERREZ        5     30     32  
HINCHEY          5      6      8     39     40     41     42     43  
JACKSON          9     25     26     62     65     66     69     71     73  
JOHNSON         11     13     26     48     49  
LAZIO            1      5      6      8      9     10     13     14     15  
                19     21     23     24     25     26     27     28     29  
                30     34     38     43     50     51     56     57     60  
                62     64     66     68     69     70     71     72     73  
LEONARD         23     24     25     29     32     36     41     43     44  
                45     46     47     48     50  
PROCACCINI      38  
QUINN           52     70     72  
WEYGAND         27  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF EMELDA JOHNSON, DEPUTY ASSISTANT SECRETARY FOR SINGLE FAMILY HOUSING, DEPARTMENT OF 
HOUSING AND URBAN DEVELOPMENT, ACCOMPANIED BY PAUL LEONARD, DEPUTY ASSISTANT SECRETARY FOR POLICY 
DEVELOPMENT AND RESEARCH
                                                                 PAGE    11

STATEMENT OF JUDY A. ENGLAND-JOSEPH, DIRECTOR, HOUSING AND COMMUNITY DEVELOPMENT ISSUES; 
RESOURCES, COMMUNITY, AND ECONOMIC DEVELOPMENT DIVISION, GENERAL ACCOUNTING OFFICE; ACCOMPANIED BY 
ROBERT PROCACCINI, GAO
                                                                 PAGE    15

STATEMENT OF SUSAN GAFFNEY, INSPECTOR GENERAL, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT, 
ACCOMPANIED BY STANLEY McLEOD, HUD-OIG, ACTING DIRECTOR, PLANNING AND RESEARCH DIVISION 
                                                                 PAGE    19

STATEMENT OF MICHAEL A. QUINN, SENIOR VICE PRESIDENT, CREDIT LOSS MANAGEMENT, FANNIE MAE
                                                                 PAGE    52

STATEMENT OF GALE CINCOTTA, EXECUTIVE DIRECTOR, NATIONAL TRAINING AND INFORMATION CENTER
                                                                 PAGE    57

STATEMENT OF CARL EDWARDS, PRESIDENT, FLETCHER-LIPPENCOTT NEIGHBORHOOD ASSOCIATION; MEMBER, 
ORGANIZATION FOR A NEW EASTSIDE, INDIANAPOLIS, IN
                                                                 PAGE    60

STATEMENT OF GRACE JACKSON, OPERATIONS CHAIRPERSON, ROSELAND NEIGHBORHOOD HOUSING SERVICES, 
CHICAGO, IL
                                                                 PAGE    62


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING