SPEAKER INDEX CONTENTS INSERTS BAKER 9 BEREUTER 6 BIRNBAUM 62 75 76 78 79 80 85 86 87 BRAD MILLER 7 CANFIELD 19 22 23 31 32 43 44 49 53 59 60 COURSON 11 32 34 35 36 39 40 41 46 47 49 51 54 56 60 DAVIS 5 44 46 47 FENDLY 23 33 34 48 54 55 56 57 60 FRIEDLANDER 16 36 37 38 42 43 GARCZYNSKI 29 39 GREEN 5 36 37 38 HARRIS 7 47 48 HART 58 59 60 61 LEE 50 51 52 53 MANZULLO 7 MENDOZA 65 66 81 82 NEY 1 3 5 6 7 9 14 16 19 22 23 26 28 31 32 33 34 36 39 41 42 44 47 50 53 54 58 61 65 66 68 71 74 75 76 77 79 81 86 87 88 RHEINGOLD 71 75 76 79 80 82 83 84 86 87 ROVICK 68 71 74 75 77 79 80 83 SAUNDERS 14 31 38 45 46 47 52 53 SHAYS 7 41 42 43 TAYLOR 26 44 55 57 TIBERI 54 55 56 57 WATERS 4 34 35 36 77 78 79 81 82 83 84 85 86 WATT 3 39 40 41 CONTENTS SPEAKERS INSERTS STATEMENT OF JOHN A. COURSON, CHAIRMAN, MORTGAGE BANKERS ASSOCIATION OF AMERICA, WASHINGTON, DC PAGE 11 STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER, WASHINGTON, DC PAGE 14 STATEMENT OF STANLEY B. FRIEDLANDER, PRESIDENT, AMERICAN LAND TITLE ASSOCIATION, WASHINGTON, DC PAGE 16 STATEMENT OF ANNE C. CANFIELD, EXECUTIVE DIRECTOR, CONSUMER MORTGAGE COALITION, WASHINGTON, DC PAGE 19 STATEMENT OF NEILL FENDLY, CHAIR, GOVERNMENT AFFAIRS COMMITTEE, NATIONAL ASSOCIATION OF MORTGAGE BROKERS, WASHINGTON, DC PAGE 23 STATEMENT OF D. RUSSELL TAYLOR, CHAIRMAN, AMERICA'S COMMUNITY BANKERS, WASHINGTON, DC PAGE 26 STATEMENT OF F. GARY GARCZYNSKI, PAST PRESIDENT, NATIONAL ASSOCIATION OF HOME BUILDERS PAGE 29 STATEMENT OF PETER J. BIRNBAUM, PRESIDENT, ATTORNEYS' TITLE GUARANTY FUND, CHAMPAIGN, IL, ON BEHALF OF NATIONAL ASSOCIATION OF BAR RELATED TITLE INSURERS PAGE 62 STATEMENT OF CHARLES J. MENDOZA, MEMBER, BOARD OF DIRECTORS, AMERICAN ASSOCIATION OF RETIRED PERSONS, WASHINGTON, DC PAGE 65 STATEMENT OF ARNE ROVICK, VICE-CHAIR AND GENERAL COUNSEL, EDINA REALTY HOME SERVICES, EDINA, MN, ON BEHALF OF THE REAL ESTATE PROVIDERS' COUNCIL, INC., (RESPRO) PAGE 68 STATEMENT OF IRA RHEINGOLD, EXECUTIVE DIRECTOR, NATIONAL ASSOCIATION OF CONSUMER ADVOCATES, WASHINGTON, DC PAGE 71 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING