SPEAKER INDEX    CONTENTS   INSERTS   
BAKER            1      2      3      4      9     10     11     12     15  
                16     17     25     26     27     28     29  
GUTIERREZ       16  
KANJORSKI        2      3     12     13     14     15  
KINSEY          17     25     26     27     28     29  
MCCOOL           4      9     10     11     12     13     14     15     16  
SHEAR           11  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF THOMAS J. McCOOL, DIRECTOR, FINANCIAL INSTITUTIONS AND MARKET ISSUES, GENERAL 
ACCOUNTING OFFICE
                                                                 PAGE     4

STATEMENT OF MARK KINSEY, ACTING DIRECTOR, OFFICE OF FEDERAL HOUSING FINANCE OVERSIGHT
                                                                 PAGE    17


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING