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