SPEAKER INDEX CONTENTS INSERTS CAPITO 52 53 54 CAPUANO 68 69 70 CARSON 76 77 78 79 CHAIRMAN 1 5 6 8 9 13 14 15 16 17 21 25 30 33 35 36 39 41 42 CLAY 59 60 61 62 DAVIS 73 74 75 76 EMANUEL 65 66 67 68 FEENEY 8 FRANK 3 25 26 27 28 29 30 42 45 76 77 85 97 98 99 100 GARCIA 87 88 97 98 99 GARRETT 56 58 GUTIERREZ 80 82 HARRIS 71 72 73 HENSARLING 42 43 44 KELLY 30 31 32 33 LAZAR 94 96 LIU 45 46 LOWE 91 94 MALONEY 39 41 MARTINEZ 6 9 13 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 MILLER 37 MILLER OF CALIFORNIA 36 37 38 MILLER OF NORTH CAROLINA 83 84 85 NEY 5 21 22 23 44 45 48 49 52 54 56 59 62 65 82 85 86 87 91 93 94 96 97 100 RENZI 48 49 SANDERS 33 35 36 SANDLIN 35 SCOTT 49 51 52 SHAYS 62 63 64 65 68 71 73 76 77 80 VELAZQUEZ 44 46 47 48 WATERS 6 17 18 19 20 21 56 WATT 77 78 WATTS 54 55 56 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. MEL MARTINEZ, SECRETARY, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 9 STATEMENT OF ART GARCIA, ADMINISTRATOR, RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE PAGE 87 STATEMENT OF ANTHONY LOWE, ADMINISTRATOR, INSURANCE AND MITIGATION ADMINISTRATION, FEDERAL EMERGENCY MANAGEMENT AGENCY PAGE 91 STATEMENT OF ELLEN LAZAR, EXECUTIVE DIRECTOR, NEIGHBORHOOD REINVESTMENT CORPORATION PAGE 94 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING