SPEAKER INDEX CONTENTS INSERTS BACHUS 1 5 6 8 11 14 17 21 23 25 28 29 32 35 38 40 43 46 48 49 50 54 55 57 58 BEREUTER 35 36 37 38 BUCK 21 31 35 36 CAPITO 7 29 30 31 32 DOLLAR 11 30 39 40 42 43 44 45 46 GEE 23 29 37 38 KROENER 18 38 47 48 54 55 LATTIMORE 26 31 36 37 46 MALONEY 40 41 42 43 OLSON 9 29 30 32 40 42 49 50 51 52 53 54 57 58 OXLEY 5 ROSS 8 SANDERS 3 50 51 52 53 54 55 56 57 58 SHERMAN 43 44 45 46 WATERS 32 33 34 35 WATT 38 39 40 WILLIAMS 14 33 34 35 41 48 49 56 57 CONTENTS SPEAKERS INSERTS STATEMENT OF MARK OLSON, MEMBER, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PAGE 9 STATEMENT OF HON. DENNIS DOLLAR, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 11 STATEMENT OF JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 14 STATEMENT OF WILLIAM F. KROENER, III, GENERAL COUNSEL, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 17 STATEMENT OF CAROLYN BUCK, CHIEF COUNSEL, OFFICE OF THRIFT SUPERVISION PAGE 21 STATEMENT OF GAVIN M. GEE, DIRECTOR OF FINANCE, IDAHO DEPARTMENT OF FINANCE, ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS PAGE 23 STATEMENT OF JERRIE J. LATTIMORE, ADMINISTRATOR, CREDIT UNION DIVISION, STATE OF NORTH CAROLINA, ON BEHALF OF THE NATIONAL ASSOCIATION OF STATE CREDIT UNION SUPERVISORS PAGE 26 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING