SPEAKER INDEX CONTENTS INSERTS BAKER 1 7 9 11 13 14 16 18 25 26 31 32 33 34 36 37 42 47 50 53 60 65 66 67 68 69 78 83 85 88 94 95 101 102 103 104 105 106 107 108 120 121 122 130 134 137 138 140 142 148 150 152 154 155 156 158 163 164 165 166 167 168 169 170 171 BARR 50 51 52 53 BENTSEN 9 47 49 50 96 130 132 134 135 136 137 138 140 141 CARNELL 70 104 105 115 117 118 119 132 135 136 137 152 154 CASTLE 42 43 44 45 46 47 COX 122 123 124 125 126 128 129 DELK 25 26 31 32 33 39 40 43 48 49 52 53 57 59 60 62 63 66 EDWARDS 78 109 123 137 155 FORD 65 67 68 148 149 150 152 154 156 157 158 165 166 167 HINOJOSA 11 13 56 57 58 59 60 HOOLEY 9 HOWARD 19 32 33 35 36 37 38 39 41 43 44 45 46 51 52 56 61 62 63 65 69 ISRAEL 16 JONES 14 16 KANJORSKI 2 37 38 39 40 41 42 108 111 112 113 117 118 119 120 121 122 LUCAS 11 MEEKS 142 143 145 146 163 164 171 MILLER 83 85 102 103 106 111 112 125 126 127 128 142 156 157 168 169 170 MOORE 18 PAIGE 89 107 111 129 146 147 ROTHSCHILD 95 96 112 113 138 140 141 143 144 145 152 156 SHOWS 18 TORNQUIST 153 VELAZQUEZ 7 WELDON 61 62 63 65 CONTENTS SPEAKERS INSERTS STATEMENT OF TIMOTHY HOWARD, EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER, FANNIE MAE PAGE 19 STATEMENT OF MITCHELL DELK, SENIOR VICE PRESIDENT, GOVERNMENT RELATIONS, FREDDIE MAC PAGE 25 STATEMENT OF RICHARD S. CARNELL, ASSOCIATE PROFESSOR OF LAW, FORDHAM UNIVERSITY SCHOOL OF LAW PAGE 70 STATEMENT OF MARTIN EDWARDS, JR., PARTNER, WILKINSON & SNOWDEN, INC., ON BEHALF OF THE NATIONAL ASSOCIATION OF REALTORS PAGE 78 STATEMENT OF JAMES C. MILLER III, DIRECTOR, LECG ECONOMICS-FINANCE PAGE 83 STATEMENT OF LESLIE K. PAIGE, VICE PRESIDENT, CITIZENS AGAINST GOVERNMENT WASTE, ON BEHALF OF THE HOMEOWNERS EDUCATION COALITION PAGE 89 STATEMENT OF EDWIN ROTHSCHILD, PRINCIPAL, PODESTA MATTOON, ON BEHALF OF FM WATCH PAGE 94 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING