SPEAKER INDEX CONTENTS INSERTS ABERNATHY 14 24 25 28 29 30 31 32 33 34 35 37 38 39 40 43 44 45 47 48 49 51 54 BAKER 1 4 7 8 10 11 12 23 26 30 32 35 38 41 44 46 50 52 55 56 CAPUANO 38 39 40 41 GARRETT 11 GUTIERREZ 8 HENSARLING 35 36 37 38 HILLMAN 20 26 36 38 47 48 50 52 56 ISRAEL 8 KANJORSKI 2 26 28 29 30 KELLY 5 12 17 20 23 24 25 26 MALONEY 52 55 56 MILLER OF NORTH CAROLINA 44 45 46 ROYCE 42 44 SCOTT 10 32 33 34 35 SERIO 17 25 36 37 45 46 47 49 50 51 SHAYS 46 47 48 49 50 55 56 UNKNOWN 41 VELAZQUEZ 50 51 52 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. WAYNE A. ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, UNITED STATES DEPARTMENT OF THE TREASURY PAGE 14 STATEMENT OF HON. GREGORY V. SERIO, SUPERINTENDENT, NEW YORK STATE INSURANCE DEPARTMENT PAGE 17 STATEMENT OF RICHARD HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, UNITED STATES GENERAL ACCOUNTING OFFICE PAGE 20 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING