SPEAKER INDEX CONTENTS INSERTS BACHUS 1 4 8 11 12 15 19 20 21 22 23 24 30 34 38 40 41 45 46 47 48 49 50 51 53 54 55 BAIR 4 8 12 20 23 25 26 33 35 38 39 45 48 50 53 54 BEREUTER 30 31 32 34 HART 38 39 40 HAWKE 11 12 21 24 36 40 43 44 50 51 52 55 MALONEY 34 35 36 38 MEYER 5 20 23 26 31 32 35 39 40 41 42 43 47 48 53 54 SEIDMAN 15 21 22 27 28 29 44 52 TIBERI 45 WATERS 3 24 25 26 27 29 WATT 41 42 43 44 45 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 5 STATEMENT OF HON. SHEILA C. BAIR, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, U.S. DEPARTMENT OF THE TREASURY PAGE 8 STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 11 STATEMENT OF HON. ELLEN SEIDMAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION PAGE 15 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING