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