SPEAKER INDEX Segment 1 of 2 Next Segment (2) CONTENTS INSERTS BACHUS 1 3 6 9 13 17 20 22 27 30 31 32 34 35 36 37 39 42 44 48 BENTSEN 44 45 46 47 48 BUCK 13 32 40 44 CANTOR 32 33 34 48 51 56 58 59 61 CAPITO 22 23 24 25 26 58 DOLLAR 17 23 28 29 31 33 38 39 41 42 43 HART 42 43 44 HOOLEY 39 40 41 42 KANJORSKI 27 29 30 31 KROENER 10 25 43 LITTLE 52 60 61 LUCAS 22 MCCAUL 48 57 58 MEEKS 34 35 36 37 NEY 59 60 61 OLSON 2 3 24 34 35 36 40 43 45 46 47 ROYCE 37 38 39 WILLIAMS 6 26 32 36 43 45 47 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. MARK W. OLSON, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 2 STATEMENT OF JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 6 STATEMENT OF WILLIAM F. KROENER, III, GENERAL COUNSEL, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 10 STATEMENT OF CAROLYN BUCK, CHIEF COUNSEL, OFFICE OF THRIFT SUPERVISION PAGE 13 STATEMENT OF HON. DENNIS DOLLAR, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 17 STATEMENT OF ELIZABETH McCAUL, SUPERINTENDENT OF BANKS, NEW YORK STATE BANKING DEPARTMENT, ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS PAGE 48 STATEMENT OF ROGER W. LITTLE, DEPUTY COMMISSIONER, CREDIT UNIONS, OFFICE OF INSURANCE AND FINANCIAL SERVICES, ON BEHALF OF THE NATIONAL ASSOCIATION OF STATE CREDIT UNION SUPERVISORS PAGE 52 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING