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