SPEAKER INDEX CONTENTS INSERTS ASHBURN 74 77 78 CARSON 34 CLAY 31 32 33 CROWLEY 36 55 56 57 58 DAVIS 27 28 29 30 DOLBEN 60 82 83 EGAN 63 80 84 FINNEGAN 41 50 51 HART 23 24 HENRY 39 53 LEE 7 20 22 MILLER 8 NEY 1 4 6 7 8 9 11 14 15 16 18 PETRIE 45 PETROU 65 81 RAYBURN 47 52 53 54 SANDERS 5 56 57 58 59 SCOTT 9 11 24 25 27 35 53 54 55 SYPHAX 67 79 83 TIBERI 7 18 19 20 21 23 24 27 31 33 34 35 39 41 45 47 50 51 52 53 55 56 59 63 65 67 71 74 77 78 79 80 81 82 83 84 85 WATERS 11 16 17 WEICHER 1 14 15 16 17 18 19 20 21 22 23 24 25 26 28 29 30 31 32 33 WITCHER 71 80 CONTENTS SPEAKERS INSERTS STATEMENT OF THE HONORABLE JOHN C. WEICHER, ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PAGE 1 STATEMENT OF SHEILA CROWLEY, MSW, PH.D., PRESIDENT, NATIONAL LOW INCOME HOUSING COALITION PAGE 36 STATEMENT OF PASTOR WARREN L. HENRY, VICE-CHAIRMAN, HOUSING AUTHORITY OF FULTON COUNTY, ATLANTA, GEORGIA PAGE 39 STATEMENT OF THOMAS J. FINNEGAN, III, PRESIDENT, HUNTINGTON MORTGAGE GROUP PAGE 41 STATEMENT OF MICHAEL F. PETRIE, PRESIDENT, P/R MORTGAGE AND INVESTMENT CORPORATION PAGE 45 STATEMENT OF JAMES R. RAYBURN, PRESIDENT, NATIONAL ASSOCIATION OF HOME BUILDERS PAGE 47 STATEMENT OF DEANE DOLBEN, PRESIDENT, THE DOLBEN COMPANY, AND DIRECTOR, NATIONAL MULTI-HOUSING COUNCIL PAGE 60 STATEMENT OF CONRAD EGAN, PRESIDENT AND CHIEF EXECUTIVE OFFICER, NATIONAL HOUSING CONFERENCE PAGE 63 STATEMENT OF BASIL N. PETROU, MANAGING PARTNER, FEDERAL FINANCIAL ANALYTICS, INC. PAGE 65 STATEMENT OF SCOTT C. SYPHAX, CHIEF EXECUTIVE OFFICER OF THE NEHEMIAH CORPORATION OF AMERICA PAGE 67 STATEMENT OF JEROME WITCHER, REALTOR, ART LEE REALTY, INC. PAGE 71 STATEMENT OF ANN ASHBURN, PRESIDENT AND CHIEF EXECUTIVE OFFICER, AMERIDREAM, INC. PAGE 74 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING