SPEAKER INDEX CONTENTS INSERTS BACHUS 1 3 4 5 6 7 11 14 16 19 21 24 27 30 31 33 36 40 41 45 48 51 53 54 55 56 57 58 59 60 61 63 65 66 67 70 73 75 76 79 82 83 84 85 87 92 96 97 98 99 100 BAILEY 71 BAIRD 24 34 35 40 41 44 58 59 60 BAKER 48 BARR 36 37 38 39 40 66 67 BENTSEN 41 42 43 44 66 85 86 87 BURLESON 73 75 76 86 CALVERT 7 16 EASTMENT 21 31 32 33 34 35 37 54 55 56 57 58 59 60 61 62 63 64 65 EDWARDS 67 85 97 100 FACE 17 53 GRABILL 28 30 35 36 37 38 45 47 54 GUTIERREZ 92 95 96 HINOJOSA 3 HOLLAND 76 89 90 91 98 99 KANJORSKI 11 16 MALONEY OF CONNECTICUT 4 MALONEY OF NEW YORK 7 SHERMAN 15 16 51 53 54 63 64 65 66 87 88 89 90 91 100 SMITH 19 39 40 41 42 43 44 TAYLOR 79 82 83 84 85 86 93 96 97 TIBERI 27 33 34 35 36 WATERS 5 41 45 46 47 48 51 60 61 62 63 WATTS 4 5 31 32 33 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. KEN CALVERT, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF CALIFORNIA PAGE 7 STATEMENT OF HON. PAUL E. KANJORSKI, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF PENNSYLVANIA PAGE 11 STATEMENT OF E. JOSEPH FACE, JR., COMMISSIONER OF FINANCIAL INSTITUTIONS, COMMONWEALTH OF VIRGINIA, ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS PAGE 17 STATEMENT OF JAMES E. SMITH, CHAIRMAN AND CEO, UNION STATE BANKER & TRUST CLINTON, CLINTON, MISSOURI, PRESIDENT OF THE AMERICAN BANKERS' ASSOCIATION PAGE 19 STATEMENT OF GEORGE T. EASTMENT, III, EXECUTIVE VICE PRESIDENT, LONG AND FOSTER REAL ESTATE, INC., ON BEHALF OF REAL ESTATE SERVICE PROVIDERS COUNCIL, INC. PAGE 21 STATEMENT OF PATRICK GRABILL, FORMER NAR DIRECTOR FOR COLDWELL BANKER KING THOMPSON, CURRENT PRESIDENT, KING THOMPSON/HOLZER-WOLLAM, REALTORS PAGE 27 STATEMENT OF MARTIN EDWARDS, JR., PRESIDENT, NATIONAL ASSOCIATION OF REALTORS PAGE 67 STATEMENT OF ROBERT BAILEY, PRESIDENT, CALIFORNIA ASSOCIATION OF REALTORS PAGE 71 STATEMENT OF MARY FRANCES BURLESON, PRESIDENT AND CEO, EBBY HALLIDAY REALTORS, DALLAS, TEXAS PAGE 73 STATEMENT OF ELIZABETH HOLLAND, ASSET MANAGER AND GENERAL COUNSEL, ABBELL CREDIT CORPORATION, CHICAGO, IL, ON BEHALF OF THE INTERNATIONAL COUNCIL OF SHOPPING CENTERS PAGE 76 STATEMENT OF JOHN TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION PAGE 79 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING