SPEAKER INDEX CONTENTS INSERTS CLARK 74 86 DALLIS 67 68 FRIEDMAN 61 91 GENSLER 18 25 27 28 29 30 35 37 40 45 46 47 53 54 56 57 59 60 GOLDEN 78 92 GONZALEZ 59 91 92 GOODE 53 54 55 56 57 58 JONES 24 31 38 41 49 50 51 52 53 57 60 KELLY 8 KENNEDY 11 LAFALCE 3 26 27 28 47 48 67 68 LAZAR 21 26 30 34 35 36 38 42 43 44 45 46 49 50 51 53 54 55 56 58 59 60 LEACH 1 5 8 9 10 11 14 17 20 21 24 26 28 32 36 37 39 42 43 48 50 53 58 59 60 61 64 67 71 74 77 78 81 85 90 92 LEE 37 38 39 MASCARA 58 59 MELVIN 71 89 90 PINSKY 81 86 87 RILEY 48 49 50 ROUKEMA 29 30 31 32 RUSH 15 17 SANDLIN 36 37 SCHAKOWSKY 10 SISSON 64 67 68 TERRY 39 40 41 42 43 VELAZQUEZ 43 44 45 46 47 48 VENTO 5 17 32 34 35 85 86 87 88 89 90 WATT 9 10 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. EDWARD M. KENNEDY, A UNITED STATES SENATOR FROM THE STATE OF MASSACHUSETTS PAGE 11 STATEMENT OF HON. BOBBY L. RUSH, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF ILLINOIS PAGE 15 STATEMENT OF HON. GARY GENSLER, UNDER SECRETARY FOR DOMESTIC FINANCE, DEPARTMENT OF THE TREASURY PAGE 18 STATEMENT OF ELLEN W. LAZAR, DIRECTOR, COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND; ACCOMPANIED BY MAURICE JONES, DEPUTY DIRECTOR FOR POLICY AND PROGRAMS, AND PAUL GENTILLE, DEPUTY DIRECTOR FOR MANAGEMENT/CFO PAGE 21 STATEMENT OF JASON J. FRIEDMAN, VICE PRESIDENT, INSTITUTE FOR SOCIAL AND ECONOMIC DEVELOPMENT PAGE 61 STATEMENT OF MARGUERITE SISSON, PRESIDENT, RIVER CITY CLEANING, CLINTON, IA PAGE 64 STATEMENT OF JOAN DALLIS, VICE PRESIDENT, RURAL OPPORTUNITIES ENTERPRISE CENTER, INC., ROCHESTER, NY PAGE 67 STATEMENT OF KARLA MELVIN, DIRECTOR, EMPLOYMENT SERVICES, WOMEN VENTURE, ST. PAUL, MN PAGE 71 STATEMENT OF PEGGY CLARK, EXECUTIVE DIRECTOR, ECONOMIC OPPORTUNITIES PROGRAM, THE ASPEN INSTITUTE PAGE 74 STATEMENT OF ELLEN F. GOLDEN, CHAIR, BOARD OF DIRECTORS, ASSOCIATION FOR ENTERPRISE OPPORTUNITY, CHICAGO, IL PAGE 78 STATEMENT OF MARK PINSKY, CHAIRMAN, COALITION OF COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS, PHILADELPHIA, PA PAGE 81 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING