SPEAKER INDEX CONTENTS INSERTS BAKER 1 3 7 15 16 24 25 26 27 28 29 33 34 38 42 43 44 45 46 47 48 50 53 57 58 59 60 BENTSEN 38 39 40 41 42 50 51 52 KILPATRICK 43 KINGSBURY 3 24 25 26 28 29 31 34 39 54 55 56 57 KINSEY 16 36 40 41 42 47 49 50 51 59 60 LAZIO 57 MCCOOL 25 26 39 40 PEPPERCORN 8 27 32 33 35 36 37 38 44 45 46 52 53 54 56 57 SESSIONS 43 53 54 55 56 57 SHEAR 30 SNOWBARGER 34 36 37 38 TASKER 28 44 46 47 VENTO 29 30 31 32 33 34 CONTENTS SPEAKERS INSERTS STATEMENT OF NANCY KINGSBURY, ASSISTANT COMPTROLLER GENERAL, GENERAL GOVERNMENT DIVISION, U.S. GENERAL ACCOUNTING OFFICE; ACCOMPANIED BY TOM McCOOL, DIRECTOR OF FINANCIAL INSTITUTIONS AND MARKETS ISSUES; AND WILLIAM SHEAR, ASSISTANT DIRECTOR PAGE 2 STATEMENT OF IRA G. PEPPERCORN, GENERAL DEPUTY ASSISTANT SECRETARY FOR HOUSING, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; ACCOMPANIED BY JANET TASKER, HEAD OF HOUSING OFFICE FOR GSE OVERSIGHT PAGE 8 STATEMENT OF MARK KINSEY, ACTING DIRECTOR, OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT PAGE 16 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING