SPEAKER INDEX    Segment 1 of 2    Next Segment (2)
CONTENTS   INSERTS   
ANDERS          31     58  
BRIDGES         35     36     59  
CASTLE          29  
DAVIS            6     14     15     16     17     20     30     62     63  
                65  
FINKEL          23     24  
FONG             8     15     17     18     19     25     28  
GRIFFITHS       38  
JONES           42     56     60     61  
LEE              5     20     21     22     28  
MILLER          45     63     64     65  
MYER            48     54     57     58  
NEY             28     29     30     35     36     38     42     45     48  
                50     51     52     54     55     56     57     58     59  
                60     61     62     65  
RAYBURN         50     52     61     62     63  
RENZI            1      4      5      6      7     11     14     17     19  
                23     24     25     26     27  
SCOTT            4  
SHEAR           12     14     16     17     20     21     22     23     26  
                27     28  
WATERS           2     17     19     22     23     24     57     58  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF PHYLLIS K. FONG, INSPECTOR GENERAL, U.S. DEPARTMENT OF AGRICULTURE, WASHINGTON, DC
                                                                 PAGE     8

STATEMENT OF WILLIAM B. SHEAR, ACTING DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, U.S. 
GAO, WASHINGTON, DC
                                                                 PAGE    12

STATEMENT OF GIDEON ANDERS, EXECUTIVE DIRECTOR, NATIONAL HOUSING LAW PROJECT, OAKLAND, CA
                                                                 PAGE    31

STATEMENT OF BETTY BRIDGES, PRESIDENT, COUNCIL FOR AFFORDABLE AND RURAL HOUSING, WASHINGTON, DC
                                                                 PAGE    35

STATEMENT OF PATTY GRIFFITHS, HOUSING DIRECTOR, COMMUNITY ACTION COMMISSION OF FAYETTE COUNTY, 
OHIO, APPEARING ON BEHALF OF THE HOUSING ASSISTANCE COUNCIL
                                                                 PAGE    38

STATEMENT OF JACK JONES, VICE PRESIDENT, CHASE MANHATTAN MORTGAGE CORPORATION, DEERFIELD BEACH, 
FL, ON BEHALF OF THE MORTGAGE BANKERS ASSOCIATION OF AMERICA
                                                                 PAGE    42

STATEMENT OF MADELINE MILLER, EXECUTIVE DIRECTOR, WIL-LOW NONPROFIT HOUSING INC., HAYNEVILLE, AL
                                                                 PAGE    45

STATEMENT OF JOE L. MYER, EXECUTIVE DIRECTOR, NATIONAL COUNCIL ON AGRICULTURE LIFE AND LABOR 
RESEARCH, INC., DOVER, DE
                                                                 PAGE    48

STATEMENT OF JAMES R. RAYBURN, JACKSON, MI, FIRST VICE PRESIDENT, NATIONAL ASSOCIATION OF 
HOMEBUILDERS
                                                                 PAGE    50


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING