SPEAKER INDEX CONTENTS INSERTS BACHUS 5 30 31 32 33 34 53 54 55 56 57 59 61 65 66 69 75 76 77 79 82 83 84 86 88 91 92 93 BAKER 2 5 7 10 12 18 22 23 24 25 26 27 30 34 35 38 43 46 47 48 49 53 57 58 59 60 61 79 81 82 83 84 85 91 BENTSEN 27 28 29 49 50 51 52 BIGGERT 46 FORD 35 GRAUER 65 66 70 76 81 82 85 86 88 90 GRUCCI 46 HAWKE 19 28 38 39 40 50 51 52 55 56 59 60 HINOJOSA 35 46 KABEL 62 65 75 78 83 85 88 92 KANJORSKI 3 KELLY 10 43 44 45 46 LUCAS 35 MALONEY 38 39 40 41 42 59 60 77 78 79 MEYER 12 24 25 26 27 28 29 30 32 33 34 36 37 38 41 42 43 44 45 47 48 49 51 53 54 55 56 57 58 59 60 OXLEY 23 ROUKEMA 35 37 38 WATERS 7 92 WHALEY 66 77 78 83 85 88 92 93 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. LAURENCE H. MEYER, GOVERNOR, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 12 STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PAGE 19 STATEMENT OF ROBERT J. KABEL, PARTNER, MANATT, PHELPS AND PHILLIPS, LLP; ON BEHALF OF THE BANK PRIVATE EQUITY COALITION PAGE 62 STATEMENT OF JOHN P. WHALEY, PARTNER, NORWEST EQUITY PARTNERS AND NORWEST VENTURE PARTNERS, ON BEHALF OF AMERICAN BANKERS ASSOCIATION SECURITIES ASSOCIATION PAGE 66 STATEMENT OF PETER A. GRAUER, MANAGING DIRECTOR, LEVERAGED CORPORATE PRIVATE EQUITY GROUP, ON BEHALF OF CREDIT SUISSE FIRST BOSTON PRIVATE EQUITY, THE SECURITIES INDUSTRY ASSOCIATION AND THE FINANCIAL SERVICES ROUNDTABLE PAGE 70 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING