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