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