SPEAKER INDEX    CONTENTS   INSERTS   
BEREUTER        46     47     48     49     50  
CARSON          13  
FRANK            7     12     32     33     34     35     36     37     49  
                50     56     57  
GAFFNEY         23     31     32     38     39     40     44     45     51  
                52     53  
GREEN           10     37     38     39     40     41  
JONES           15     50     51     52     53     54     55     58     59  
KELLY           12  
MCCOOL          16     21     29     30     35     40     41     46     47  
                48     53     54     55     56     57  
PHAUP           26     33     34     35     36     37     42     43     46  
                48     57     58  
ROUKEMA          1     10     11     12     13     14     15     21     22  
                25     26     28     29     30     31     32     36     37  
                39     41     44     45     49     50     54     55     56  
                58     59  
SANDERS         10  
WATERS          41     42     43     44     45  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF THOMAS J. McCOOL, MANAGING DIRECTOR, FINANCIAL MARKETS AND COMMUNITY INVESTMENT, 
GENERAL ACCOUNTING OFFICE
                                                                 PAGE    16

STATEMENT OF HON. SUSAN GAFFNEY, INSPECTOR GENERAL, U.S. DEPARTMENT OF HOUSING AND URBAN 
DEVELOPMENT
                                                                 PAGE    23

STATEMENT OF MARVIN PHAUP, DEPUTY ASSISTANT DIRECTOR FOR MICROECONOMIC AND FINANCIAL STUDIES, 
CONGRESSIONAL BUDGET OFFICE 
                                                                 PAGE    26


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING