SPEAKER INDEX    CONTENTS   INSERTS   
ACKERMAN        70     71     72     73     74     75     76  
BACHUS           4     26     28     31     34     37     40     41     42  
                43     44     45  
BAKER            6  
CALHOUN         26     35     36     44     45     46     48     53     58  
                61     62     63     66     67     72     73     74     75  
                76  
CAPITO          41  
DAVIS           18     67     68     69  
DEMONG          32     35     36     52     53     60     63     65     66  
                70     71     72     73     75  
FOSSELLA        50     51     52     53     54  
GARRETT         17     34     35     36     37  
GARY G. MILLER OF CALIFORNIA    10  
GREEN           21     36     42     43     44     45     49     50     51  
                55     57     60     63     64     66     69     71     76  
GUTIERREZ       37     38     40     41  
HENSARLING      15  
ISRAEL          18  
KELLY           41  
KOGUT           28     63     68  
LUCAS           17  
MALONEY         64     65     66  
MILLER OF NORTH CAROLINA    11     20     54     55     56     57  
NEY              1      4      5      6      8      9     11     12     13  
                15     16     17     18     19     20     23     50     54  
                56     57     60     61     64     66     67     70     76  
RAITER          23     36     37     38     51     52     54     60     61  
                62  
ROYCE           12  
SANDERS          8  
SCOTT           13     57     58     60     61  
SHERMAN          3  
VELAZAQUEZ      64  
VELAZQUEZ       16     61     62     63  
WATERS           6     45     48     49  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF MICAH S. GREEN, PRESIDENT, THE BOND MARKET ASSOCIATION
                                                                 PAGE    21

STATEMENT OF FRANK RAITER, MANAGING DIRECTOR, STANDARD & POOR'S CREDIT MARKET SERVICES
                                                                 PAGE    23

STATEMENT OF MICHAEL D. CALHOUN, GENERAL COUNSEL, CENTER FOR RESPONSIBLE LENDING
                                                                 PAGE    26

STATEMENT OF PAMELA KOGUT, ASSISTANT ATTORNEY GENERAL, OFFICE OF THE ATTORNEY GENERAL, 
COMMONWEALTH OF MASSACHUSETTS
                                                                 PAGE    28

STATEMENT OF RICHARD F. DEMONG, VIRGINIA BANKERS PROFESSOR OF BANK MANAGEMENT, MCINTIRE SCHOOL OF 
COMMERCE, UNIVERSITY OF VIRGINIA
                                                                 PAGE    31


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING