SPEAKER INDEX CONTENTS INSERTS BIBBY 71 CANFIELD 73 CLAY 32 33 34 35 COUCH 68 70 71 84 85 DAVIS 36 37 38 DIAZ 46 60 61 64 GRIST 48 61 62 63 JORDAN 51 59 LEE 9 10 13 14 15 28 29 30 31 MILLER OF CALIFORNIA 7 21 22 23 NEY 1 5 6 7 9 10 11 13 14 15 18 21 22 23 26 28 31 32 33 35 36 38 40 42 43 46 48 51 53 56 58 59 60 61 62 65 67 70 71 73 76 78 80 81 82 83 85 OBLOY 53 58 59 65 RENZI 5 26 27 SCOTT 5 6 23 24 25 40 41 43 65 66 67 83 84 85 SMITH 76 84 SPRIGGS 78 80 VELAZQUEZ 3 18 19 20 21 31 38 39 40 42 62 63 64 65 WADE 43 60 63 66 67 WALSH 56 59 60 65 66 WATERS 11 13 WEICHER 15 18 19 20 21 22 23 24 25 26 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 WILLIAMSON 81 83 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. JOHN C. WEICHER, ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 15 STATEMENT OF KENNETH WADE, EXECUTIVE DIRECTOR, NEIGHBORHOOD REINVESTMENT CORPORATION PAGE 43 STATEMENT OF LAUTARO DIAZ, DEPUTY VICE PRESIDENT FOR COMMUNITY DEVELOPMENT, NATIONAL COUNCIL OF LA RAZA PAGE 46 STATEMENT OF LISA-NICOLLE GRIST, CHIEF EXECUTIVE DIRECTOR, NEIGHBORS HELPING NEIGHBORS, INC. PAGE 48 STATEMENT OF RODNEY JORDAN, VICE CHAIRMAN, NORFOLK REDEVELOPMENT AND HOUSING AUTHORITY, NORFOLK, VA PAGE 51 STATEMENT OF GARY OBLOY, EXECUTIVE DIRECTOR, COMMUNITY ACTION COMMISSION OF BELMONT COUNTY, INC., CLAIRSVILLE, OH PAGE 53 STATEMENT OF CHAPMAN WALSH, HOUSING DIRECTOR, GREEN FOREST COMMUNITY DEVELOPMENT CORPORATION, DECATUR, GA PAGE 56 STATEMENT OF ROBERT COUCH, PRESIDENT AND CEO, NEW SOUTH FEDERAL SAVINGS BANK, ON BEHALF OF THE MORTGAGE BANKERS' ASSOCIATION PAGE 68 STATEMENT OF DOUGLAS BIBBY, PRESIDENT, NATIONAL MULTI HOUSING COUNCIL PAGE 71 STATEMENT OF ANNE CANFIELD, EXECUTIVE DIRECTOR, CONSUMER MORTGAGE COALITION PAGE 73 STATEMENT OF WILLIAM SMITH, PRESIDENT AND CEO, MUTUAL COMMUNITY SAVINGS BANK, ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 76 STATEMENT OF WILLIAM SPRIGGS, EXECUTIVE DIRECTOR, NATIONAL URBAN LEAGUE INSTITUTE FOR OPPORTUNITY AND EQUALITY PAGE 78 STATEMENT OF ODETTE WILLIAMSON, STAFF ATTORNEY, NATIONAL CONSUMER LAW CENTER PAGE 81 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING