SPEAKER INDEX CONTENTS INSERTS
APGAR 25 29 61 76 80 88
BAKER 62
BARTLETT 138 170
BENTSEN 67 68 69 70 133 137
BOCHNOWSKI 141
BORRELLI 157 161 166
BRENNAN 109 114 127 128
CAMPBELL 71 72
CELLI 47 52 72 82 84 90 93
CINCOTTA 117 126
CURRY 44 72
EAKES 150 154 168
FENDLY 162
GENSLER 21 60 69 78 79 85 86 87 89
92 94
GRAMLICH 29 55 56 58 65 68 71
HAWKE 36 53 58 64 69 70 81 85 94
JONES 12
LAFALCE 4 10 18 57 58 59 60 61 93
94 114 126 127 128
LEACH 1 7 8 9 10 11 12 13 14
15 18 19 20 25 29 31 35 38
41 44 47 52 53 54 55 56 61
63 66 67 71 73 77 82 87 91
93 94 97 100 105 108 117 120 126
128 132 135 137 141 144 147 150 154
156 161 165 166 167 170 172
LEE 11
MALONEY 82 83 84 86 87
MANSFIELD 96 97 136
MEDINE 41 74 93
MEEKS 87 89
NEY 9
ROHNER 144
ROUKEMA 11
SANDERS 77 79 80 81
SAUNDERS 105 136
SCHAKOWSKY 9 91 93 170 171
SCHUMER 14 15 18 19
SEIDMAN 31 53 59 60 66 92 94
TANOUE 39 61 71 80 81
TAYLOR 101 135
VENTO 7 63 65 66
WALDRON 120
WALLACE 148
WATERS 73 74 76 128 154 165 166 167
WATT 18 19 167 168 170
CONTENTS SPEAKERS INSERTS
STATEMENT OF HON. CHARLES E. SCHUMER, A UNITED STATES SENATOR FROM THE STATE OF NEW YORK
PAGE 14
STATEMENT OF HON. GARY GENSLER, UNDER SECRETARY FOR DOMESTIC FINANCE, DEPARTMENT OF THE TREASURY
PAGE 20
STATEMENT OF HON. WILLIAM APGAR, ASSISTANT SECRETARY FOR HOUSING, FHA COMMISSIONER, DEPARTMENT OF
HOUSING AND URBAN DEVELOPMENT
PAGE 25
STATEMENT OF HON. EDWARD M. GRAMLICH, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
PAGE 29
STATEMENT OF HON. ELLEN SEIDMAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION
PAGE 31
STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER OF THE CURRENCY, OFFICE OF THE COMPTROLLER OF
THE CURRENCY
PAGE 36
STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
PAGE 38
STATEMENT OF DAVID MEDINE, ASSOCIATE DIRECTOR, DIVISION OF FINANCIAL PRACTICES, FEDERAL TRADE
COMMISSION
PAGE 41
STATEMENT OF HON. THOMAS J. CURRY, COMMISSIONER OF BANKS, COMMONWEALTH OF MASSACHUSETTS, ON BEHALF
OF THE CONFERENCE OF STATE BANK SUPERVISORS
PAGE 44
STATEMENT OF ANDREW G. CELLI, JR., CHIEF OF CIVIL RIGHTS BUREAU, OFFICE OF THE ATTORNEY GENERAL,
STATE OF NEW YORK
PAGE 47
STATEMENT OF CATHY LESSER MANSFIELD, ASSOCIATE PROFESSOR OF LAW, DRAKE UNIVERSITY
PAGE 96
STATEMENT OF JOHN E. TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION
PAGE 101
STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER,
PAGE 105
STATEMENT OF WILLIAM J. BRENNAN, JR., DIRECTOR, HOME DEFENSE PROGRAM, ATLANTA LEGAL AID SOCIETY,
INC.
PAGE 108
STATEMENT OF GALE CINCOTTA, NATIONAL CHAIRPERSON, NATIONAL PEOPLE'S ACTION COMMITTEE ON BANKING
AND FINANCIAL SERVICES
PAGE 117
STATEMENT OF GLORIA WALDRON, MEMBER, ACORN, BROOKLYN, NEW YORK
PAGE 120
STATEMENT OF HON. STEVEN BARTLETT, PRESIDENT, THE FINANCIAL SERVICES ROUNDTABLE
PAGE 138
STATEMENT OF DAVID BOCHNOWSKI, CHAIRMAN, PRESIDENT AND CEO, PEOPLES BANK, MUNSTER, IN; FIRST VICE
CHAIRMAN, AMERICA'S COMMUNITY BANKERS
PAGE 141
STATEMENT OF RALPH ROHNER, PROFESSOR OF LAW, CATHOLIC UNIVERSITY, ON BEHALF OF THE CONSUMER
BANKERS ASSOCIATION
PAGE 144
STATEMENT OF GEORGE WALLACE, PARTNER, ECKERT, SEAMANS, CHERIN & MELLOTT, LLC, ON BEHALF OF
AMERICAN FINANCIAL SERVICES ASSOCIATION
PAGE 147
STATEMENT OF MARTIN EAKES, CEO, CENTER FOR COMMUNITY SELF-HELP, DURHAM, NC
PAGE 150
STATEMENT OF LAURA J. BORRELLI, PRESIDENT, BARRISTER MORTGAGE AND INVESTMENT, ON BEHALF OF
NATIONAL HOME EQUITY MORTGAGE ASSOCIATION
PAGE 156
STATEMENT OF NEILL FENDLY, PRESIDENT, PATHFINDER MORTGAGE CO., PHOENIX, AZ; PRESIDENT-ELECT,
NATIONAL ASSOCIATION OF MORTGAGE BROKERS
PAGE 162
INSERTS SPEAKERS CONTENTS
NO INSERTS IN THIS HEARING