SPEAKER INDEX CONTENTS INSERTS BACA 9 46 48 49 55 56 57 DAVIS 43 44 45 46 FRANK 5 GUTIERREZ 3 13 36 37 38 39 HAAR 14 32 38 42 44 49 50 52 53 55 56 HAMMOND 17 20 33 37 42 47 53 HANLEY 26 28 33 35 HENSARLING 40 41 42 KELLY 1 4 7 9 11 14 17 20 23 26 28 31 32 33 34 35 36 39 42 43 46 50 52 53 54 57 KENNEDY 20 32 37 44 45 48 50 51 53 LACKRITZ 23 32 35 40 48 49 50 54 NAPOLITANO 11 PADRON 28 33 34 36 45 SCOTT 7 50 51 52 53 54 CONTENTS SPEAKERS INSERTS STATEMENT OF ANA MARIA FERNANDEZ HAAR, CHAIR, NEW AMERICA ALLIANCE PAGE 14 STATEMENT OF THERESA HAMMOND, ASSOCIATE PROFESSOR OF ACCOUNTING, BOSTON COLLEGE PAGE 17 STATEMENT OF MICHAEL D. KENNEDY, MANAGER OF DIVERSITY PROGRAM AND FINANCIAL SERVICES SECTOR EXECUTIVE, KORN/FERRY INTERNATIONAL PAGE 20 STATEMENT OF MARC LACKRITZ, PRESIDENT, SECURITIES INDUSTRY ASSOCIATION PAGE 23 STATEMENT OF JOANNE HANLEY, PRESIDENT, WOMEN IN HOUSING AND FINANCE, INC. PAGE 26 STATEMENT OF HON. LORENZO PADRON, COMMISSIONER, OFFICE OF BANKS AND REAL ESTATE, STATE OF ILLINOIS PAGE 28 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING