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