SPEAKER INDEX Segment 1 of 3 Next Segment (2) CONTENTS INSERTS BROOKS 20 34 35 36 48 52 53 55 CARSON 53 55 56 FAITH 23 25 40 47 49 FRANK 3 4 GONZALES 17 33 36 38 39 44 45 GRUCCI 37 39 40 HADLEY 26 37 45 46 54 ISRAEL 51 53 JONES 8 9 KELLY 32 33 34 35 LAFALCE 6 LAWSON 64 67 71 72 LEE 13 35 37 LOPEZ 67 68 MILLER 43 44 45 46 RACER 29 32 36 50 56 ROBERTS 61 ROUKEMA 1 6 8 9 10 13 16 20 23 25 26 28 29 32 33 35 37 40 42 45 46 49 51 53 56 57 60 61 63 64 66 67 70 71 72 SANDERS 9 10 16 46 47 48 SARD 57 58 SCHAKOWSKY 40 42 TIBERI 49 50 51 VOICE 71 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. BERNARD SANDERS, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF VERMONT PAGE 9 STATEMENT OF THE HONORABLE BARBARA LEE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF CALIFORNIA PAGE 13 STATEMENT OF JAVIER GONZALES, COMMISSIONER, SANTA FE COUNTY, NEW MEXICO, ON BEHALF OF THE NATIONAL ASSOCIATION OF COUNTIES, NATIONAL COMMUNITY DEVELOPMENT ASSOCIATION, NATIONAL ASSOCIATION FOR COUNTY COMMUNITY AND ECONOMIC DEVELOPMENT, AND NATIONAL ASSOCIATION OF LOCAL HOUSING FINANCE AGENCIES PAGE 17 STATEMENT OF MARY E. BROOKS, HOUSING TRUST FUND PROJECT/CENTER FOR COMMUNITY CHANGE PAGE 20 STATEMENT OF WILLIAM FAITH, EXECUTIVE DIRECTOR, OHIO COALITION ON HOUSING AND HOMELESSNESS, ON BEHALF OF THE NATIONAL LOW INCOME HOUSING COALITION PAGE 23 STATEMENT OF KATHERINE G. HADLEY, COMMISSIONER, MINNESOTA HOUSING FINANCE AGENCY, ON BEHALF OF THE NATIONAL COUNCIL OF HOUSING FINANCE AGENCIES PAGE 26 STATEMENT OF CATHERINE RACER, ASSOCIATE DIRECTOR, MASSACHUSETTS DEPARTMENT OF HOUSING AND COMMUNITY DEVELOPMENT, REPRESENTING THE COUNCIL OF STATE COMMUNITY DEVELOPMENT AGENCIES PAGE 29 STATEMENT OF BARBARA SARD, DIRECTOR OF HOUSING POLICY, CENTER ON BUDGET AND POLICY PRIORITIES PAGE 58 STATEMENT OF BENSON ROBERTS, LOCAL INITIATIVES SUPPORT CORPORATION PAGE 60 STATEMENT OF ROBERT LAWSON, ON BEHALF OF THE NATIONAL ASSOCIATION OF HOME BUILDERS PAGE 64 STATEMENT OF RODRIGO LOPEZ, PRESIDENT, AMERISPHERE MULTIFAMILY FINANCE, L.L.C., ON BEHALF OF THE MORTGAGE BANKERS ASSOCIATION OF AMERICA PAGE 68 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING