SPEAKER INDEX CONTENTS INSERTS BACA 18 BACHUS 4 22 24 25 26 32 35 38 39 41 45 48 49 50 51 52 53 54 55 56 57 58 59 60 63 68 72 76 81 83 84 85 89 93 99 100 104 105 BAKER 10 BRYCE 32 52 53 56 64 74 75 78 79 80 84 92 93 99 109 114 115 BUTTS 38 39 53 54 56 62 73 75 84 91 96 99 107 CALOMIRIS 118 120 137 141 CARSON OF INDIANA 19 CLAY 93 94 95 96 97 136 137 138 139 140 CROWLEY 111 112 114 DANA 35 54 55 56 57 64 65 87 88 92 94 99 108 DAVIS 105 107 108 109 110 111 151 GARCIA 127 129 130 138 143 146 147 149 GARY G. MILLER OF CALIFORNIA 76 HENSARLING 60 62 63 HINOJOSA 16 KANJORSKI 3 LEE 15 LUCAS OF OKLAHOMA 81 MALONEY 11 MILLER OF NORTH CAROLINA 21 85 86 87 88 NEY 1 4 6 9 10 12 14 16 17 18 19 20 97 98 99 102 108 111 114 115 116 118 120 123 124 127 129 130 133 136 140 141 143 144 146 147 148 149 150 152 153 155 156 ROYCE 17 SAMUELS 28 51 57 60 63 66 67 68 75 78 79 80 81 85 86 87 92 94 103 110 SANDERS 68 69 70 71 SCOTT 22 24 25 97 101 102 103 104 SHERMAN 12 14 25 26 89 91 92 93 SMITH 130 138 150 151 152 154 155 156 STATEN 133 139 140 150 153 STEIN 41 51 59 68 69 70 71 72 73 80 82 91 95 98 100 113 THEOLOGIDES 45 48 50 55 65 66 67 76 83 88 91 92 95 96 97 101 102 106 107 112 115 VELAZQUEZ 25 72 73 74 75 76 WATERS 6 63 64 65 66 67 68 WATT 57 58 59 YEZER 123 124 137 142 143 CONTENTS SPEAKERS INSERTS STATEMENT OF SANDOR E. SAMUELS, SENIOR MANAGING DIRECTOR AND CHIEF LEGAL OFFICER, COUNTRYWIDE, ON BEHALF OF THE HOUSING POLICY COUNCIL OF THE FINANCIAL SERVICES ROUNDTABLE PAGE 28 STATEMENT OF TERESA BRYCE, VICE PRESIDENT AND GENERAL COUNSEL, NEXSTAR FINANCIAL CORPORATION, ON BEHALF OF MORTGAGE BANKERS ASSOCIATION PAGE 32 STATEMENT OF WILLIAM DANA, PRESIDENT AND CEO, CENTRAL BANK OF KANSAS CITY ON BEHALF OF AMERICAN BANKERS ASSOCIATION PAGE 35 STATEMENT OF GEORGE BUTTS, PROGRAM DIRECTOR, ACORN HOUSING CORPORATION OF PENNSYLVANIA, ON BEHALF OF ASSOCIATION FOR COMMUNITY ORGANIZATIONS FOR REFORM NOW PAGE 38 STATEMENT OF ERIC STEIN, SENIOR VICE PRESIDENT, CENTER FOR RESPONSIBLE LENDING OF NORTH CAROLINA PAGE 41 STATEMENT OF STERGIOS THEOLOGIDES, EXECUTIVE VICE PRESIDENT, GENERAL COUNSEL AND SECRETARY, NEW CENTURY FINANCIAL CORPORATION, ON BEHALF OF COALITION FOR FAIR AND AFFORDABLE LENDING PAGE 45 STATEMENT OF CHARLES W. CALOMIRIS, HENRY KAUFMAN PROFESSOR OF FINANCIAL INSTITUTIONS, COLUMBIA UNIVERSITY PAGE 118 STATEMENT OF ANTHONY YEZER, PROFESSOR, DEPARTMENT OF ECONOMICS, GEORGE WASHINGTON UNIVERSITY PAGE 123 STATEMENT OF NORMA GARCIA, SENIOR ATTORNEY, WEST COAST REGIONAL OFFICE OF CONSUMERS' UNION PAGE 127 STATEMENT OF GEOFF SMITH, PROJECT DIRECTOR, WOODSTOCK INSTITUTE PAGE 130 STATEMENT OF MICHAEL STATEN, DIRECTOR, CREDIT RESEARCH CENTER, MCDONOUGH SCHOOL OF BUSINESS, GEORGETOWN UNIVERSITY PAGE 133 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING