SPEAKER INDEX CONTENTS INSERTS BACHUS 1 4 6 7 9 16 17 23 26 28 29 30 31 32 33 39 40 42 43 44 46 47 61 62 63 68 69 74 76 80 83 84 85 86 87 88 89 90 93 94 ELLIOTT 70 83 84 90 91 93 94 FERGUSON 10 29 30 31 32 36 37 38 39 40 41 42 43 45 46 48 49 50 51 53 55 56 58 59 60 62 63 67 FRANK 4 33 34 35 36 37 38 39 40 41 42 44 45 47 GILLERAN 26 35 36 40 47 64 65 66 GREEN 68 77 85 86 87 88 92 GUP 68 74 84 85 HART 69 74 HAWKE 17 34 35 43 44 45 46 51 52 53 56 57 60 63 66 MALONEY 4 7 52 53 55 56 57 58 60 61 90 91 92 93 OXLEY 6 7 POWELL 23 34 41 42 THOMAS 80 88 89 90 TOOMEY 9 47 48 49 50 51 52 WATT 63 64 65 66 67 68 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. ROGER W. FERGUSON, JR., VICE CHAIRMAN, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PAGE 10 STATEMENT OF JOHN D. HAWKE, JR., COMPTROLLER, OFFICE OF THE COMPTROLLER OF CURRENCY PAGE 16 STATEMENT OF DONALD POWELL, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 23 STATEMENT OF JAMES GILLERAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION PAGE 26 STATEMENT OF STEVEN G. ELLIOTT, SENIOR VICE CHAIRMAN, MELLON FINANCIAL CORPORATION PAGE 70 STATEMENT OF BENTON GUP, CHAIR OF BANKING, UNIVERSITY OF ALABAMA PAGE 74 STATEMENT OF MICAH S. GREEN, PRESIDENT, THE BOND MARKET ASSOCIATION PAGE 76 STATEMENT OF KAREN M. THOMAS, DIRECTOR OF REGULATORY AFFAIRS AND SENIOR REGULATORY COUNSEL, INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 80 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING