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