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