SPEAKER INDEX CONTENTS INSERTS ASMUS 54 59 BARR 63 BARRETO 51 57 58 60 61 62 63 64 CARUSO 47 50 55 56 57 58 59 60 65 GAFFNEY 9 27 36 38 39 GRAY 44 64 HSIAO 10 16 24 27 29 37 38 41 JONES 30 31 42 LAFALCE 19 24 LAZIO 36 37 38 39 40 41 42 54 56 57 58 59 65 LEACH 1 4 9 10 14 15 16 17 18 19 26 30 31 42 43 47 50 51 63 64 65 PARKER 14 15 18 23 28 33 34 40 RAMIREZ 4 14 15 19 22 26 28 29 32 34 35 38 39 40 41 ROUKEMA 26 27 28 29 30 SCHAKOWSKY 60 61 62 63 VENTO 30 31 32 33 34 35 36 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. SAUL RAMIREZ, DEPUTY SECRETARY, HUD; ACCOMPANIED BY GLORIA PARKER, CHIEF INFORMATION OFFICER, HUD PAGE 4 STATEMENT OF HON. SUSAN GAFFNEY, INSPECTOR GENERAL, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 9 STATEMENT OF BENJAMIN K. HSIAO, DIRECTOR, INFORMATION SYSTEMS AUDIT DIVISION, HUD INSPECTOR GENERAL'S OFFICE PAGE 10 STATEMENT OF KATHY GRAY, VICE PRESIDENT, NORWEST MORTGAGE, INC., DES MOINES, IA PAGE 43 STATEMENT OF GEORGE CARUSO, EXECUTIVE DIRECTOR, NATIONAL AFFORDABLE HOUSING MANAGEMENT ASSOCIATION, ALEXANDRIA, VA; ACCOMPANIED BY SAM ASMUS, III, PRESIDENT AND CEO, IPM SOFTWARE, DALLAS, TX PAGE 47 STATEMENT OF JULIO BARRETO, JR., DIRECTOR OF LEGISLATION AND PROGRAM DEVELOPMENT, NATIONAL ASSOCIATION OF HOUSING AND REDEVELOPMENT OFFICIALS, WASHINGTON, DC. PAGE 51 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING