SPEAKER INDEX CONTENTS INSERTS ABERNATHY 9 16 18 23 24 26 27 28 29 30 31 32 33 34 BACA 30 31 32 BACHUS 1 6 8 9 11 16 24 27 30 32 BAIR 51 58 59 60 BELTRAN 40 60 BRYANT 43 DAVIS 25 26 27 DOLLAR 11 18 20 21 22 23 25 27 GILLMOR 34 38 39 42 48 51 54 58 59 60 62 63 67 68 HENSARLING 19 21 22 27 28 29 30 HINOJOSA 3 16 18 19 42 60 61 62 63 68 LUCAS OF KENTUCKY 6 MALONEY 32 33 34 MANJARREZ 48 58 61 SATISKY 54 65 66 67 SCOTT 6 VELAZQUEZ 22 23 24 WATERS 19 21 22 63 65 66 67 YOUNG 34 38 39 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. WAYNE ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, DEPARTMENT OF THE TREASURY PAGE 9 STATEMENT OF HON. DENNIS DOLLAR, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 11 STATEMENT OF JAMES E. YOUNG, PRESIDENT AND CEO, CITIZENS' TRUST BANK, ATLANTA, GEORGIA PAGE 34 STATEMENT OF AL BELTRAN, CEO, SECURITY FIRST HIDALGO FEDERAL CREDIT UNION, MCALLEN, TEXAS, ON BEHALF OF THE CREDIT UNION NATIONAL ASSOCIATION PAGE 39 STATEMENT OF JOHN BRYANT, CEO, OPERATION HOPE PAGE 42 STATEMENT OF GABRIEL MANJARREZ, SENIOR VICE PRESIDENT, HISPANIC MARKETING EXECUTIVE, BANK OF AMERICA PAGE 48 STATEMENT OF SHEILA BAIR, DEAN'S PROFESSOR OF FINANCIAL REGULATORY POLICY, UNIVERSITY OF MASSACHUSETTS PAGE 51 STATEMENT OF BRIAN SATISKY, PRESIDENT, MARYLAND ASSOCIATION OF FINANCIAL SERVICES CENTERS, INC., ON BEHALF OF THE FINANCIAL SERVICES CENTERS OF AMERICA PAGE 54 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING