SPEAKER INDEX    CONTENTS   INSERTS   
BARSNESS        57     63     64     65     70     74     75     76     78  
BENTSEN         39     40     41     42  
BUCK            16     42     49  
BURKE           22     23  
FENNER          20     21  
FOX             85     93  
HAWKE            5  
HOVE            14     34     47     48  
KELLY           35     36     37     38     39     51     52     54  
MASCARA         45     46  
METCALF         43     44     72     73     74     75     76     77  
MEYER            6     27     28     29     31     32     33     36     37  
                38     40     41     43     44     45     46     49     50  
                51     52     53  
ROUKEMA          1      4      5     10     14     16     20     22     23  
                26     27     28     29     31     34     35     39     42  
                44     47     49     51     53     54     57     60     63  
                64     65     66     71     72     75     77     78     82  
                85     88     89     90     94     96     97  
ROYCE           47     48  
SAUNDERS        82     89     91     92     93     95     96  
SHERMAN         49     50     51     52     53  
TAYLOR          60     65     69     77  
TORRES          79     90     97  
VENTO            3     31     32     33     34     66     68     69     70  
                71     72     78     90     92     93     94     96  
WILLIAMS        10     11     29     42     49  
YINGLING        55     57     64     65     67     68     69     71     72  
                73  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. LAURENCE H. MEYER, GOVERNOR, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE     6

STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER OF THE CURRENCY, OFFICE OF THE COMPTROLLER OF 
THE CURRENCY, PRESENTED BY JULIE WILLIAMS, CHIEF COUNSEL
                                                                 PAGE    11

STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION, PRESENTED BY HON. 
ANDREW HOVE, VICE CHAIRMAN 
                                                                 PAGE    14

STATEMENT OF CAROLYN J. BUCK, CHIEF COUNSEL, OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE 
TREASURY
                                                                 PAGE    16

STATEMENT OF ROBERT M. FENNER, GENERAL COUNSEL, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    20

STATEMENT OF HON. JOHN P. BURKE, COMMISSIONER OF BANKING, STATE OF CONNECTICUT; CHAIRMAN, THE 
CONFERENCE OF STATE BANK SUPERVISORS
                                                                 PAGE    23

STATEMENT OF EDWARD L. YINGLING, EXECUTIVE DIRECTOR OF GOVERNMENT RELATIONS, AMERICAN BANKERS 
ASSOCIATION
                                                                 PAGE    54

STATEMENT OF ROBERT N. BARSNESS, CHAIRMAN AND PRESIDENT, PRIOR LAKE STATE BANK, PRIOR LAKE, MN., 
AND PRESIDENT, INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    57

STATEMENT OF DAVID R. TAYLOR, PRESIDENT AND CEO, RAHWAY SAVINGS INSTITUTION, RAHWAY, NJ., ON 
BEHALF OF AMERICA'S COMMUNITY BANKERS 
                                                                 PAGE    60

STATEMENT OF FRANK TORRES, LEGISLATIVE COUNSEL, CONSUMERS UNION
                                                                 PAGE    79

STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER, INC.
                                                                 PAGE    82

STATEMENT OF JEAN ANN FOX, DIRECTOR OF CONSUMER PROTECTION, CONSUMER FEDERATION OF AMERICA 
                                                                 PAGE    85


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING