SPEAKER INDEX CONTENTS INSERTS ALBINSON 20 35 36 37 38 ALBISON 39 46 BACHUS 7 43 76 90 91 93 95 BARTLETT 64 68 69 70 71 72 73 74 75 76 79 81 84 86 88 91 BECKER 29 35 36 37 38 39 40 50 53 BENTSEN 15 BIGGERT 14 CANTOR 14 52 53 54 88 89 90 CAPUANO 14 CLAY 14 47 GONZALEZ 10 GRUCCI 12 49 50 51 84 85 86 87 88 GUTIERREZ 10 HART 11 49 77 78 79 80 HILLMAN 56 67 68 69 70 71 72 74 86 87 92 HINOJOSA 15 47 48 49 HOOLEY 12 KELLY 2 6 9 10 11 12 13 14 15 19 23 26 28 32 34 35 36 37 38 39 43 47 49 51 54 58 60 62 64 67 68 69 70 71 72 73 76 77 80 84 86 87 88 90 93 95 96 LORMEL 27 35 36 37 38 39 42 44 45 48 LUCAS 15 54 OXLEY 32 RODELL 61 68 69 70 71 72 82 83 90 ROGERS 10 43 44 45 46 47 80 81 82 83 84 SHERMAN 4 SMITH 63 68 69 70 71 72 73 77 78 80 81 82 83 89 90 TIBERI 54 VAUGHAN 23 35 36 37 38 39 42 47 48 51 52 WATERS 12 40 41 42 43 73 74 75 76 94 WILLIAMS 16 34 35 36 37 38 39 41 42 45 46 53 WUERTZ 58 67 68 69 70 71 72 79 80 81 93 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 16 STATEMENT OF SCOTT ALBINSON, MANAGING DIRECTOR, EXAMINATIONS AND SUPERVISION, OFFICE OF THRIFT SUPERVISION PAGE 20 STATEMENT OF HON. TERRI M. VAUGHAN, IOWA COMMISSIONER OF INSURANCE, VICE PRESIDENT, NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS, ON BEHALF OF NAIC PAGE 23 STATEMENT OF DENNIS M. LORMEL, CHIEF, FINANCIAL CRIMES SECTION, FEDERAL BUREAU OF INVESTIGATION PAGE 27 STATEMENT OF DAVID M. BECKER, GENERAL COUNSEL, U.S. SECURITIES AND EXCHANGE COMMISSION PAGE 29 STATEMENT OF RICHARD J. HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, U.S. GENERAL ACCOUNTING OFFICE PAGE 56 STATEMENT OF KAREN K. WUERTZ, SENIOR VICE PRESIDENT, STRATEGIC PLANNING AND DEVELOPMENT, NATIONAL FUTURES ASSOCIATION PAGE 58 STATEMENT OF THOMAS J. RODELL, EXECUTIVE VICE PRESIDENT AND CHIEF OPERATING OFFICER, AON RISK SERVICES, INC., CHAIRMAN OF THE COUNCIL OF INSURANCE AGENTS AND BROKERS, ON BEHALF OF THE COUNCIL PAGE 60 STATEMENT OF RONALD A. SMITH, PRESIDENT, SMITH, SAWYER & SMITH, INC., STATE GOVERNMENT AFFAIRS CHAIRMAN OF THE INDEPENDENT INSURANCE AGENTS OF AMERICA, ON BEHALF OF IIAA, NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS AND THE NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS PAGE 62 STATEMENT OF HON. STEVE BARTLETT, PRESIDENT, THE FINANCIAL SERVICES ROUNDTABLE PAGE 64 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING