SPEAKER INDEX    CONTENTS   INSERTS   
CANNON           7     11     12     15     19     21     24     26     30  
                37     41     42     45     48     50     54     55     57  
                60     62     65     66  
DELAHUNT        10     14     15     45     46     47     48     49     50  
                62     63     64     65     66  
GALVIN          26     46     48     49     52     55     56     57     58  
HILLMAN         12     15  
JAMES DALEY     4  
PERRY H. APELBAUM     3  
PHILIP G. KIKO     3  
RAYMOND V. SMIETANKA     4  
RICHARDS        21     43     44     45     51     53     59     60     61  
                63     64     65  
STEPHANIE MOORE     4  
SUSAN A. JENSEN     4  
WASSERMAN SCHULTZ    50     52     53     54  
WATT             7     13     14     15     42     43     44     45     60  
                61     66  
ZITZEWITZ       37     44  

CONTENTS    SPEAKERS   INSERTS   
TESTIMONY OF RICHARD J. HILLMAN, DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, U.S. 
GOVERNMENT ACCOUNTABILITY OFFICE
                                                                 PAGE    15

TESTIMONY OF LORI A. RICHARDS, DIRECTOR, OFFICE OF COMPLIANCE INSPECTIONS AND EXAMINATIONS, U.S. 
SECURITIES AND EXCHANGE COMMISSION
                                                                 PAGE    21

TESTIMONY OF WILLIAM FRANCIS GALVIN, SECRETARY OF THE COMMONWEALTH OF MASSACHUSETTS
                                                                 PAGE    26

TESTIMONY OF ERIC W. ZITZEWITZ, STANFORD GRADUATE SCHOOL OF BUSINESS, STANFORD, CALIFORNIA
                                                                 PAGE    37


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING