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