SPEAKER INDEX    CONTENTS   INSERTS   
ACKERMAN       200    202    203    204    205  
BAKER          131  
BENNETT        144    195    202  
BEREUTER        87     88     89     90     91  
BOYD           254    255    274    275  
CASTLE          17  
EHLERS         221  
ELLIOTT        155    156    163    182    196    202    203  
FOLEY          183    184    185    186    187    188    189  
FOX             22  
FRANK           14  
GHIGLIERI       56     67     68     84    114    131  
GOLDBERG       147    173    174    203    205    218    219    220  
GREENWOOD      262  
GRIFFIN        237    275    276    277    287    290    292    297  
GUERIN-CALVERT   258    274    279    280    281    283    301  
GUTIERREZ       24  
HAWKE           33     59     73     75     76     77     84     96     99  
               113    117    118    125    129  
HINCHEY         30    116    117    118    119    206    211    282    284  
               287  
HOVE            49     69     88     89     90     92     94    107    115  
               127    128  
JUDGE          269    295  
KANJORSKI      102  
KENNEDY         23    120    122    123    124    125    126    127    129  
               130    131  
KILPATRICK      31  
KROSZNER       248    253  
LAFALCE          4      6     64     65     66     67     68     69     77  
                78     79     80    107    108    111    113    114    115  
               166    167    168    169    170    217    218    219  
LAZIO           15  
LEACH            1      4      6      7      9     13     14     16     17  
                18     20     21     22     24     26     27     28     29  
                31     32     33     39     43     49     52     56     58  
                61     64     69     76     77     80     87     90     92  
                99    100    102    107    115    118    119    120    125  
               127    128    130    131    132    133    135    137    140  
               144    147    151    155    156    159    160    161    162  
               164    165    182    189    200    205    206    209    211  
               212    216    217    220    221    223    224    225    226  
               228    236    237    241    248    253    254    257    262  
               265    268    272    273    276    281    282    288    291  
               292    293    294    299    300    301  
LEE              7     32    213    214    215    216    217  
LONGBRAKE      151    174    175    180    181    196    211    221    222  
               224  
MALONEY         20     92     93     94     95     96     97     98     99  
               206    208    209  
MEYER           39     61     69     70     71     72     74     78     79  
                80     85     86     87     88     91     96     98     99  
               101    112    113    114    118    125    126    127    129  
               130  
NADER          226    227    228    236    237  
NEY            100    101    102  
POLKING        137    187    195    215    219  
POPE           266    268    278    294  
PRINCE         132    133    135    160    161    162    176    177    178  
               179    190    204    207    208  
ROCHE          132    160    162    166    167    168    169    170    172  
               173    179    183    184    185    189    190    191    192  
               193    194    195    204    205    216    217    218  
ROETHE         140    165    188    195    196    197    198    199    201  
               212    213    214    220  
ROUKEMA          7     69     70     71     72     73     74     76     80  
               170    171    172    173    174    175    273  
ROYBAL-ALLARD    27  
ROYCE           26  
SANDERS         14     19  
SEIDMAN         43    107    108    118    120    122    123    124  
SHERMAN         29    209    211  
TAYLOR         241    278    285    292    293    297    299    300  
VENTO            9     80     81     83     84     85     86    100    118  
               119    175    176    177    178    179    180    181    182  
               273    274    275    276    277    278    279    280    281  
               299    300  
WATERS          16    189    190    191    192    193    194    195    196  
               197    198    199    225  
WATT            28  
WILLIAMS        52     65     66     83     84     95    113    128    129  
               130  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JOHN D. HAWKE JR., UNDER SECRETARY, DOMESTIC FINANCE, DEPARTMENT OF THE TREASURY
                                                                 PAGE    33

STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    39

STATEMENT OF HON. ELLEN SEIDMAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    43

STATEMENT OF HON. ANDREW C. HOVE, JR., ACTING CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    49

STATEMENT OF HON. JULIE L. WILLIAMS, ACTING COMPTROLLER OF THE CURRENCY
                                                                 PAGE    52

STATEMENT OF CATHERINE A. GHIGLIERI, BANKING COMMISSIONER, STATE OF TEXAS, ON BEHALF OF THE 
CONFERENCE OF STATE BANK SUPERVISORS 
                                                                 PAGE    56

STATEMENT OF JOHN J. ROCHE, EXECUTIVE VICE PRESIDENT AND GENERAL COUNSEL, CITICORP; AND CHARLES O. 
PRINCE III, EXECUTIVE VICE PRESIDENT, GENERAL COUNSEL, AND SECRETARY, TRAVELERS GROUP, INC.
                                                                 PAGE   133

STATEMENT OF PAUL POLKING, GENERAL COUNSEL, NATIONSBANK CORPORATION
                                                                 PAGE   137

STATEMENT OF JAMES N. ROETHE, GENERAL COUNSEL, BANKAMERICA CORPORATION
                                                                 PAGE   140

STATEMENT OF STEVEN A. BENNETT, GENERAL COUNSEL, BANC ONE CORPORATION
                                                                 PAGE   144

STATEMENT OF SHERMAN I. GOLDBERG, EXECUTIVE VICE PRESIDENT, FIRST CHICAGO NBD CORPORATION
                                                                 PAGE   147

STATEMENT OF WILLIAM A. LONGBRAKE, EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER, 
WASHINGTON MUTUAL INC.
                                                                 PAGE   151

STATEMENT OF ROBERT F. ELLIOTT, VICE CHAIRMAN, HOUSEHOLD INTERNATIONAL 
                                                                 PAGE   156

STATEMENT OF RALPH NADER, CONSUMER ADVOCATE
                                                                 PAGE   226

STATEMENT OF MARY GRIFFIN, INSURANCE COUNSEL, CONSUMERS UNION
                                                                 PAGE   237

STATEMENT OF JOHN E. TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION
                                                                 PAGE   241

STATEMENT OF DR. RANDALL S. KROSZNER, ASSOCIATE PROFESSOR OF ECONOMICS, UNIVERSITY OF CHICAGO
                                                                 PAGE   248

STATEMENT OF JOHN H. BOYD, KAPPEL CHAIR IN BUSINESS AND GOVERNMENT, UNIVERSITY OF MINNESOTA
                                                                 PAGE   254

STATEMENT OF MARGARET E. GUERIN-CALVERT, PRINCIPAL, ECONOMISTS INCORPORATED
                                                                 PAGE   258

STATEMENT OF WILLIAM B. GREENWOOD, PRESIDENT-ELECT, INDEPENDENT INSURANCE AGENTS OF AMERICA, AND 
PRESIDENT, LAWTON INSURANCE, CENTRAL CITY, KY
                                                                 PAGE   262

STATEMENT OF MARK A. POPE, VICE PRESIDENT AND DIRECTOR OF FEDERAL RELATIONS, LINCOLN NATIONAL 
CORPORATION, ON BEHALF OF THE AMERICAN COUNCIL OF LIFE INSURANCE
                                                                 PAGE   266

STATEMENT OF STEVE JUDGE, SENIOR VICE PRESIDENT, GOVERNMENT AFFAIRS, SECURITIES INDUSTRY 
ASSOCIATION 
                                                                 PAGE   269


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING