SPEAKER INDEX CONTENTS INSERTS ACEVEDO-VILA 43 44 CARRION 27 28 35 36 37 38 39 44 45 GUTIERREZ 3 17 19 20 21 24 40 41 HAMMOND 7 11 12 13 14 15 17 19 20 22 23 24 KELLY 1 6 7 12 13 14 15 22 23 24 26 27 28 32 35 36 37 38 39 40 41 42 43 44 MOORE 43 SAUNDERS 32 35 38 SHOWS 12 TIBERI 43 CONTENTS SPEAKERS INSERTS STATEMENT OF DONALD V. HAMMOND, FISCAL ASSISTANT SECRETARY, U.S. DEPARTMENT OF THE TREASURY PAGE 7 STATEMENT OF RICHARD L. CARRION, CHAIRMAN OF THE BOARD; PRESIDENT AND CEO, BANCO POPULAR DE PUERTO RICO PAGE 27 STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER, WASHINGTON, DC. PAGE 32 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING