SPEAKER INDEX CONTENTS INSERTS BACHUS 7 22 87 91 96 97 98 99 103 108 109 111 113 116 BENTSEN 74 76 BEREUTER 47 69 EIZENSTAT 88 96 97 99 101 102 104 105 107 108 115 FRANK 57 58 59 60 100 101 102 GONZALEZ 69 GURULE 28 42 45 46 50 51 52 54 55 58 59 60 62 64 66 67 70 77 KANJORSKI 63 64 65 66 KELLY 53 54 55 56 LACKRITZ 84 109 LAFALCE 4 19 20 21 44 45 46 47 79 80 100 103 105 106 107 113 115 116 LEACH 60 62 63 116 LORMEL 37 47 49 54 56 67 74 78 80 MALONEY 66 67 68 69 MOYNIHAN 92 98 106 107 112 O'NEILL 13 17 18 19 20 21 22 23 24 26 28 OXLEY 1 4 7 9 12 16 17 18 19 22 25 27 28 34 37 41 43 47 50 53 57 60 63 66 69 72 74 77 78 81 119 RILEY 22 23 24 ROUKEMA 41 SCHAKOWSKY 72 73 TIBERI 84 WARREN 34 46 47 61 63 68 69 73 75 77 80 WATERS 9 12 25 26 27 50 51 52 53 YINGLING 82 108 111 113 114 115 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. PAUL H. O'NEILL, SECRETARY, U.S. DEPARTMENT OF THE TREASURY PAGE 12 STATEMENT OF HON. JIMMY GURULE, UNDER SECRETARY (ENFORCEMENT), DEPARTMENT OF THE TREASURY PAGE 28 STATEMENT OF HON. MICHAEL CHERTOFF, ASSISTANT ATTORNEY GENERAL, CRIMINAL DIVISION, DELIVERED BY MARY LEE WARREN, DEPUTY ASSISTANT ATTORNEY GENERAL, CRIMINAL DIVISION, DEPARTMENT OF JUSTICE PAGE 34 STATEMENT OF DENNIS M. LORMEL, CHIEF, FINANCIAL CRIMES SECTION, CRIMINAL INVESTIGATIONS DIVISION, FEDERAL BUREAU OF INVESTIGATION PAGE 37 STATEMENT OF EDWARD L. YINGLING, DEPUTY EXECUTIVE VICE PRESIDENT, AMERICAN BANKERS ASSOCIATION, ACCOMPANIED BY JOHN BYRNE, SENIOR COUNSEL AND COMPLIANCE MANAGER, AMERICAN BANKERS ASSOCIATION PAGE 81 STATEMENT OF MARC E. LACKRITZ, PRESIDENT, SECURITIES INDUSTRY ASSOCIATION PAGE 84 STATEMENT OF HON. STUART E. EIZENSTAT, FORMER DEPUTY SECRETARY OF THE TREASURY PAGE 87 STATEMENT OF JOHN F. MOYNIHAN, PARTNER, BERG ASSOCIATES, LLC PAGE 92 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING