SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS          40     41     42     43     44     45  
BARR            20     33     38     39     42     43  
CLARK           53     74  
DEGETTE         14     15     18  
FRANK            6  
FRIEDMAN        46     68     71     73  
GRAY            28     32     35     36     38     39     40     41  
JONES           28     34  
KENNEDY          8     10     11  
LAFALCE          3     11     19     34     36     37     38     39     40  
LAZAR           24     33     37     40     43     44  
LEACH            1      6      7     10     11     14     15     18     19  
                20     23     28     31     32     34     40     45     48  
                53     58     68     69     71     73     74     75  
MARONEY         58     74  
RUSH            11  
SEVERENS        49     70  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF THE HON. EDWARD M. KENNEDY, A UNITED STATES SENATOR FROM THE STATE OF MASSACHUSETTS 
                                                                 PAGE     8

STATEMENT OF THE HON. BOBBY L. RUSH, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF ILLINOIS 
                                                                 PAGE    11

STATEMENT OF HON. DIANA DeGETTE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF COLORADO 
                                                                 PAGE    14

STATEMENT OF MICHAEL S. BARR, DEPUTY ASSISTANT SECRETARY FOR COMMUNITY DEVELOPMENT POLICY, 
DEPARTMENT OF THE TREASURY
                                                                 PAGE    19

STATEMENT OF ELLEN W. LAZAR, DIRECTOR, COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND, 
ACCOMPANIED BY MAURICE JONES, DEPUTY DIRECTOR, POLICY AND PROGRAMS
                                                                 PAGE    23

STATEMENT OF JOHN GRAY, ASSOCIATE DEPUTY ADMINISTRATOR FOR CAPITAL ACCESS, SMALL BUSINESS 
ADMINISTRATION 
                                                                 PAGE    28

STATEMENT OF JASON FRIEDMAN, VICE PRESIDENT, INSTITUTE FOR SOCIAL AND ECONOMIC DEVELOPMENT
                                                                 PAGE    45

STATEMENT OF EUGENE SEVERENS, EXECUTIVE DIRECTOR, NEBRASKA MICROENTERPRISE PARTNERSHIP FUND
                                                                 PAGE    49

STATEMENT OF PEGGY CLARK, EXECUTIVE DIRECTOR, ECONOMIC OPPORTUNITIES PROGRAM, THE ASPEN INSTITUTE
                                                                 PAGE    53

STATEMENT OF MICHAEL MARONEY, CHAIRMAN, ASSOCIATION FOR ENTERPRISE OPPORTUNITY 
                                                                 PAGE    58


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING