SPEAKER INDEX    CONTENTS   INSERTS   
ABERNATHY        7     10     11     12     13     14     16     17     18  
                19     20     21     22     23     24     25     26     27  
                28     29     30     31     32     33     34     35     36  
                37     38     39     40     41     42     43     44     45  
                47     48     49  
BACA            43     44     45     46  
BACHUS           1      5      7      9     12  
BROWN-WAITE    15     18     20     56     59     62     64     65     67  
                68     72     73     75     76     77     79  
EMANUEL         24  
GARRETT         31     32     33     34     37     38  
GONZALEZ        40     41     42     75     76     77  
GUTIERREZ        3     12     13     14     15     24     25     35     36  
                46     47     65     67     68  
HENSARLING       5     16     17     18  
HERRERA         59     74     77  
LEE             18     20  
LEVINE          62     64     67     70     71     72     74     77  
MILLER OF NORTH CAROLINA    35  
OROZCO          52     76  
OSE             23     24     26     29     31     34     35     37     40  
                43     45     46     47     48     49     52     54  
PEREZ           56     65     68     69     70     76     78  
ROYCE           27     28     29  
SHADEGG         21     22     23     24     68     69     70     71     72  
                73  
SHAYS            9     10     11     12     26     38     39     40     42  
                43     46     47  
SHERMAN         29     31  
SURO            50     76     77     78  
VALENZUELA      55     76  
WATERS          77     78     79  
WATT            73     74  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. WAYNE ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, DEPARTMENT OF 
THE TREASURY
                                                                 PAGE     7

STATEMENT OF ROBERTO SURO, DIRECTOR, PEW HISPANIC CENTER
                                                                 PAGE    49

STATEMENT OF MANUEL OROZCO, PROJECT DIRECTOR, CENTRAL AMERICA INTER-AMERICAN DIALOGUE
                                                                 PAGE    52

STATEMENT OF DAVID VALENZUELA, PRESIDENT, INTER-AMERICAN FOUNDATION
                                                                 PAGE    54

STATEMENT OF ALICE PEREZ, VICE PRESIDENT, HISPANIC MARKET MANAGER, US BANK ON BEHALF OF THE 
CONSUMER BANKERS ASSOCIATION
                                                                 PAGE    56

STATEMENT OF JOHN HERRERA, BOARD PRESIDENT, LATINO COMMUNITY CREDIT UNION ON BEHALF OF THE CREDIT 
UNION NATIONAL ASSOCIATION AND THE WORLD COUNCIL OF CREDIT UNIONS
                                                                 PAGE    59

STATEMENT OF EZRA LEVINE, PARTNER, HOWREY SIMON ARNOLD AND WHITE, ON BEHALF OF NON-BANK FUNDS 
TRANSMITTERS GROUP
                                                                 PAGE    62


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING