SPEAKER INDEX CONTENTS INSERTS BELEW 63 72 CROWLEY 13 51 52 53 DAVIS 17 48 49 50 FRANK 8 GARRETT 10 40 42 43 GUTIERREZ 4 33 34 35 36 37 38 39 40 HAMMOND 64 72 74 KELLY 1 6 8 10 11 13 14 16 17 18 22 25 26 29 30 31 32 33 36 39 40 44 47 51 53 56 59 60 62 64 66 68 70 71 72 73 74 MALONEY 11 44 45 46 47 MILLER 22 31 32 40 41 42 46 49 53 MOORE 16 MURPHY 13 NEY 14 OXLEY 6 SHELTON 67 68 70 71 TAYLOR 25 26 29 32 42 46 56 59 60 73 THOMAS 60 73 WILLIAMS 19 29 30 31 34 35 37 38 39 40 42 43 44 46 48 49 50 51 52 53 YINGLING 54 73 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 19 STATEMENT OF THOMAS J. MILLER, ATTORNEY GENERAL, STATE OF IOWA, ON BEHALF OF THE NATIONAL ASSOCIATION OF ATTORNEYS GENERAL PAGE 22 STATEMENT OF DIANA TAYLOR, NEW YORK SUPERINTENDENT OF BANKING, ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS. PAGE 25 STATEMENT OF EDWARD L. YINGLING, EXECUTIVE VICE PRESIDENT, AMERICAN BANKERS' ASSOCIATION PAGE 54 STATEMENT OF JOHN TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION PAGE 56 STATEMENT OF KAREN THOMAS, DIRECTOR OF REGULATORY AFFAIRS, INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 60 STATEMENT OF JOE BELEW, PRESIDENT, CONSUMER BANKERS' ASSOCIATION PAGE 62 STATEMENT OF LEE HAMMOND, BOARD MEMBER, AARP PAGE 64 STATEMENT OF HILARY SHELTON, DIRECTOR, WASHINGTON BUREAU OF THE NATIONAL ASSOCIATION FOR THE ADVANCEMENT OF COLORED PEOPLE PAGE 67 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING