SPEAKER INDEX    CONTENTS   INSERTS   
ACEVEDO-VILA    43     44  
CARRION         27     28     35     36     37     38     39     44     45  
GUTIERREZ        3     17     19     20     21     24     40     41  
HAMMOND          7     11     12     13     14     15     17     19     20  
                22     23     24  
KELLY            1      6      7     12     13     14     15     22     23  
                24     26     27     28     32     35     36     37     38  
                39     40     41     42     43     44  
MOORE           43  
SAUNDERS        32     35     38  
SHOWS           12  
TIBERI          43  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DONALD V. HAMMOND, FISCAL ASSISTANT SECRETARY, U.S. DEPARTMENT OF THE TREASURY
                                                                 PAGE     7

STATEMENT OF RICHARD L. CARRION, CHAIRMAN OF THE BOARD; PRESIDENT AND CEO, BANCO POPULAR DE PUERTO 
RICO
                                                                 PAGE    27

STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER, WASHINGTON, DC.
                                                                 PAGE    32


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING