SPEAKER INDEX CONTENTS INSERTS BACHUS 15 90 91 92 93 94 95 96 100 103 107 111 112 117 118 120 121 127 128 135 137 138 181 182 183 184 185 BAKER 37 BARR 107 108 109 110 111 BARRETT 17 20 128 129 130 131 132 133 134 135 136 144 145 146 147 185 186 187 188 BARTOLOMUCCI 152 182 188 BENTSEN 118 119 120 121 BEREUTER 13 BRILES 155 156 CANNON 32 CARNELL 48 54 66 67 70 71 79 80 82 83 84 90 91 92 93 94 102 109 110 111 115 116 117 118 121 122 123 124 125 126 127 128 129 COOK 112 113 114 115 116 117 D'AMOURS 54 63 64 65 66 67 68 69 70 73 74 76 77 85 86 87 88 89 95 96 104 105 106 107 108 110 111 113 114 115 116 119 120 123 124 127 129 130 131 132 133 134 135 137 138 140 141 142 143 145 146 EHRLICH 42 100 103 FEENEY 59 69 104 120 GARRISON 166 169 170 171 172 173 174 175 176 177 178 179 180 181 185 186 HILL 112 121 122 123 124 125 126 127 128 KANJORSKI 27 45 46 96 97 135 136 142 143 145 146 147 148 169 170 171 172 173 174 175 176 KELLY 16 KENNEDY 39 47 KILPATRICK 47 LAFALCE 3 44 48 68 69 70 71 72 73 74 75 76 77 78 97 136 137 141 143 169 LATOURETTE 23 24 25 138 LEACH 1 6 7 10 11 12 13 14 16 17 19 20 23 24 27 31 34 35 36 38 39 41 44 45 46 47 54 58 62 63 68 78 84 90 96 141 142 144 148 151 152 155 158 162 165 169 176 177 181 188 189 LEWIS 149 180 181 182 183 184 185 186 187 188 MALONEY 14 MCCOLLUM 6 62 63 64 65 66 67 68 PAUL 21 PLAGGE 158 185 POLLARD 162 176 177 179 180 186 ROUKEMA 10 78 79 80 81 82 83 84 SANDERS 12 104 105 106 107 177 178 179 180 181 SAUNDERS 181 SMITH 35 VENTO 7 46 84 85 86 87 88 89 90 141 142 WATT 19 111 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. RON PAUL, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF TEXAS PAGE 21 STATEMENT OF HON. STEVEN C. LaTOURETTE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF OHIO PAGE 23 STATEMENT OF HON. PAUL E. KANJORSKI, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF PENNSYLVANIA PAGE 27 STATEMENT OF HON. CHRISTOPHER B. CANNON, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF UTAH PAGE 31 STATEMENT OF HON. NICK SMITH, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MICHIGAN PAGE 34 STATEMENT OF HON. RICHARD H. BAKER, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF LOUISIANA PAGE 37 STATEMENT OF HON. JOSEPH P. KENNEDY II, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MASSACHUSETTS PAGE 39 STATEMENT OF HON. ROBERT L. EHRLICH JR., A REPRESENTATIVE IN CONGRESS FROM THE STATE OF MARYLAND PAGE 41 STATEMENT OF HON. RICHARD S. CARNELL, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, U.S. DEPARTMENT OF THE TREASURY PAGE 48 STATEMENT OF HON. NORMAN E. D'AMOURS, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 54 STATEMENT OF HAROLD E. FEENEY, CHAIRMAN, NATIONAL ASSOCIATION OF STATE CREDIT UNION SUPERVISORS; COMMISSIONER, CREDIT UNION DEPARTMENT, STATE OF TEXAS PAGE 59 STATEMENT OF DONALD W. LEWIS, PRESIDENT AND CEO, ABERDEEN PROVING GROUND FEDERAL CREDIT UNION, ABERDEEN, MD; ON BEHALF OF THE NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS PAGE 149 STATEMENT OF ROSE BARTOLOMUCCI, PRESIDENT AND CEO, KENT CREDIT UNION, KENT, OH; ON BEHALF OF THE CREDIT UNION NATIONAL ASSOCIATION (CUNA) PAGE 152 STATEMENT OF GAIL BRILES, INDUSTRIAL RELATIONS MANAGER, KLAUSSNER FURNITURE CO., ASHEBORO, NC PAGE 155 STATEMENT OF JEFFREY PLAGGE, PRESIDENT AND CEO, FIRST NATIONAL BANK, WAVERLY, IA; ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 158 STATEMENT OF K. REID POLLARD, PRESIDENT AND CEO, RANDOLPH BANK AND TRUST CO., ASHBURN, NC; ON BEHALF OF THE INDEPENDENT BANKERS ASSOCIATION OF AMERICA PAGE 162 STATEMENT OF JOHN D. GARRISON, CHAIRMAN, PRESIDENT AND CEO, WALDEN SAVINGS BANK, WALDEN, NY; ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 166 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING