SPEAKER INDEX    CONTENTS   INSERTS   
BACA            18    105    106    107  
BACHUS          60     61     62     63     64  
BAKER            6     33     34     35     36     37     93     94     95  
                96     97     98    105    146    148    151    152    153  
               154    157    159    164  
BARTLETT       148    153    156    157    162  
BRAD MILLER OF NORTH CAROLINA   124    125    126  
CARSON         126    128    129  
CASTLE         114  
CHAIRMAN         1      6      9     11     13     16     18     19     25  
                28     29     30     31     33     48     49     53     55  
                58     60     63     64     65     67     71     76     77  
                80     82     83     84     85     89     91     93     96  
                98     99    101    102    105    107    110    114    116  
               119    122    124    126    129    130    132    136    139  
               140    143  
CLAY            98     99    101    102  
CONINE         133  
COURSON        146  
DAVIS           41     43     44    116    118  
FALCON          20     29     30     31     32     33     34     35     36  
                37     38     39     40     41     42     43     44     45  
                46     53     54     55     56     58     59     60     61  
                62     65     66     67  
FEENEY          56     57     58  
FISHBEIN       136    139    155    163  
FRANK            3     64    110    112    113    130    154    156  
FRANK LUCAS OF OKLAHOMA    89  
GONZALEZ        53     54     55  
GOULD           68     85     86     94    101    102    107    108    109  
               110    119    126  
HEHMAN          78     89     97    104    110    112    122  
HENSARLING     119    120    121    122  
KANJORSKI        9     31     32     33     85     87     88     89    157  
               158  
KELLY           37     38     39     40     41     44  
KORSMO          25     29     30     31     33     36     39     46     47  
                48     49     50     52     62     63     64     65  
LEACH           44     45     46     47  
LUCAS OF OKLAHOMA    91  
MALONEY         64     65  
MEEKS           65     66  
MONTAGUE       140  
NEY             16  
RAINES          71     72     81     82     83     84     87     88     89  
                90     93     94     97     99    101    105    106    110  
               112    113    117    120    123    125    128  
ROYCE           12     49     50     51     52     53    102    103    104  
               105  
SCHULTZ         76     97    103    104    110    111    121  
SCOTT           58     60    122    159    162    163  
SHAYS          107    108    109  
SHERMAN         65     91     93  
SPRIGGS        143    153    161  
TAYLOR         130    151    152    164  
WATERS          13     48     49  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF ARMANDO FALCON JR., DIRECTOR, OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT
                                                                 PAGE    20

STATEMENT OF JOHN T. KORSMO, CHAIRMAN, FEDERAL HOUSING FINANCE BOARD
                                                                 PAGE    25

STATEMENT OF GEORGE D. GOULD, DIRECTOR, FREDDIE MAC
                                                                 PAGE    68

STATEMENT OF FRANKLIN RAINES, CEO, FANNIE MAE
                                                                 PAGE    71

STATEMENT OF DEAN SCHULTZ, PRESIDENT AND CEO, FEDERAL HOME LOAN BANK OF SAN FRANCISCO
                                                                 PAGE    76

STATEMENT OF DAVID HEHMAN, PRESIDENT AND CEO, FEDERAL HOME LOAN BANK OF CINCINNATI
                                                                 PAGE    77

STATEMENT OF D. RUSSELL TAYLOR, PRESIDENT AND CEO, RAHWAY SAVINGS INSTITUTION, REPRESENTING 
AMERICA'S COMMUNITY BANKERS
                                                                 PAGE   130

STATEMENT OF KENT CONINE, CONINE RESIDENTIAL GROUP, REPRESENTING NATIONAL ASSOCIATION OF 
HOMEBUILDERS
                                                                 PAGE   133

STATEMENT OF ALLEN FISHBEIN, DIRECTOR, HOUSING AND CREDIT POLICY, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE   136

STATEMENT OF TERRI MONTAGUE, PRESIDENT AND CEO, THE ENTERPRISE FOUNDATION
                                                                 PAGE   140

STATEMENT OF WILLIAM SPRIGGS, EXECUTIVE DIRECTOR, INSTITUTE FOR OPPORTUNITY AND EQUALITY, NATIONAL 
URBAN LEAGUE
                                                                 PAGE   143

STATEMENT OF JOHN COURSON, PRESIDENT AND CEO, PACIFIC MORTGAGE COMPANY, ON BEHALF OF THE MORTGAGE 
BANKERS' ASSOCIATION OF AMERICA
                                                                 PAGE   146

STATEMENT OF STEVE BARTLETT, PRESIDENT AND CEO, THE FINANCIAL SERVICES ROUNDTABLE
                                                                 PAGE   148


INSERTS    SPEAKERS   CONTENTS   
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