SPEAKER INDEX CONTENTS INSERTS BACHUS 64 65 66 67 68 BEREUTER 7 23 24 25 26 BYRNE 51 58 59 60 61 CROWLEY 8 9 27 EMERSON 46 58 65 66 67 68 GRUCCI 36 42 43 44 GUTIERREZ 4 32 33 34 38 61 62 HERRERA 55 61 64 KELLY 1 7 8 10 15 16 20 23 26 28 30 31 32 36 38 39 40 41 42 44 45 48 51 54 57 58 59 60 61 64 68 LORMEL 20 24 25 44 NEUBERT 48 NEWCOMB 28 SLOAN 26 42 40 TIBERI 28 36 37 38 WARREN 16 29 31 32 37 39 ZARATE 11 15 27 29 30 33 37 38 39 40 42 43 45 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. JUAN C. ZARATE, DEPUTY ASSISTANT SECRETARY, TERRORISM AND VIOLENT CRIME, U.S. DEPARTMENT OF THE TREASURY PAGE 11 STATEMENT OF MARY LEE WARREN, DEPUTY ASSISTANT ATTORNEY GENERAL, CRIMINAL DIVISION, U.S. DEPARTMENT OF JUSTICE PAGE 16 STATEMENT OF DENNIS M. LORMEL, CHIEF, FINANCIAL CRIMES SECTION, CRIMINAL INVESTIGATIONS DIVISION, FEDERAL BUREAU OF INVESTIGATION PAGE 20 STATEMENT OF STEVEN EMERSON, EXECUTIVE DIRECTOR, THE INVESTIGATIVE PROJECT PAGE 46 STATEMENT OF JEFFREY P. NEUBERT, PRESIDENT AND CEO, THE NEW YORK CLEARING HOUSE ASSOCIATION, L.L.C. PAGE 48 STATEMENT OF JOHN J. BYRNE, SENIOR COUNSEL AND COMPLIANCE MANAGER, AMERICAN BANKERS ASSOCIATION PAGE 51 STATEMENT OF JOHN A. HERRERA, VICE PRESIDENT FOR LATINO/HISPANIC AFFAIRS, SELF-HELP CREDIT UNION, ON BEHALF OF THE CREDIT UNION NATIONAL ASSOCIATION AND WORLD COUNCIL OF CREDIT UNIONS PAGE 54 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING