SPEAKER INDEX CONTENTS INSERTS BROWNE 42 45 46 47 48 CZERWINSKI 14 15 23 24 31 32 33 FONCETTE 41 42 GROVES 18 22 26 27 28 29 GRUCCI 7 30 31 32 33 34 42 49 53 72 73 ISRAEL 73 74 75 KELLY 1 6 7 8 9 10 14 15 18 21 22 23 24 25 29 34 35 36 37 41 42 45 46 47 48 49 50 52 53 56 59 63 66 67 68 69 72 73 75 76 MEDINA 53 70 PANEL 9 35 36 51 52 PERINE 63 66 69 70 72 73 PERKINS 75 PHILLIPS 56 59 67 68 71 74 RANGEL 5 7 23 26 27 28 29 35 37 48 52 69 70 71 76 RENWICK 37 TOM 60 71 74 WEICHER 10 24 25 33 34 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. JOHN C. WEICHER, ASSISTANT SECRETARY FOR HOUSING/FEDERAL HOUSING COMMISSIONER, HUD PAGE 10 STATEMENT OF STANLEY J. CZERWINSKI, DIRECTOR, PHYSICAL INFRASTRUCTURE ISSUES, GENERAL ACCOUNTING OFFICE PAGE 14 STATEMENT OF ROBERT C. GROVES, ASSISTANT INSPECTOR GENERAL FOR INVESTIGATION, HUD OFFICE OF INSPECTOR GENERAL PAGE 18 STATEMENT OF MR. AND MRS. BRETT RENWICK, SECTION 203(K) LOAN APPLICANTS PAGE 37 STATEMENT OF MS. WILMA FONCETTE, SECTION 203(K) LOAN APPLICANT PAGE 41 STATEMENT OF MS. GLORIE BROWNE, SECTION 203(K) BUILDING TENANT PAGE 42 STATEMENT OF RUBEN MEDINA, CHIEF EXECUTIVE OFFICER, PROMESA SYSTEMS, INC. PAGE 53 STATEMENT OF KAREN A. PHILLIPS, PRESIDENT AND CHIEF EXECUTIVE OFFICER, ABYSSINIAN DEVELOPMENT CORPORATION PAGE 56 STATEMENT OF LYDIA TOM, SENIOR PROGRAM DIRECTOR, THE ENTERPRISE FOUNDATION PAGE 60 STATEMENT OF JERILYN PERINE, COMMISSIONER, NEW YORK DEPARTMENT OF HOUSING PRESERVATION AND DEVELOPMENT PAGE 63 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING