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