SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      5      6      7      9     13     17     19     22  
                26     29     33     34     37     38     39     40     41  
                44     47     48     51     55     56     57     62     67  
                68     69     70     71     74     77     79     82     98  
                99    100    101    102    103  
CLOUTIER        68     74  
COURSON         11     31     35     43     49     54  
DAVIS           95     96     97     98  
FISHBEIN        22     32     36     37  
GAMBILL         26     29     32     34     35     39     44     45     48  
                49     53     56     57     58     59     62     63     64  
GUTIERREZ        5     44     45  
HENDRICKS       68     83    100    102  
HENSARLING      29     30     31  
HILDEBRAND      89     92     93    100  
HOOLEY           6     57     58     59     60     61     62  
ISRAEL           6  
LOBAN           68     77  
MALONEY         51     53     54     55     69  
MANNING         79     96     97     98     99    100    101    102    103  
MEEKS           62     63     64     66     67  
MOSKOWITZ       13     30     32     35     36     44     50     60     61  
                64     65     66  
PICKEL          17     32     36     44  
PLUNKETT        20     32     35     38     39     41     42     52     60  
                61     65     66  
SANDERS          3     33     34     35     36     37     39     55     56  
                70  
TIBERI          48     49     50     51     56     86     89     92     93  
                94     95    103  
VADALA          71  
WATERS           7  
WATT            41     42     43     44  
WONG            86     94     95     96  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF JOHN A. COURSON, CHAIRMAN, MORTGAGE BANKERS' ASSOCIATION
                                                                 PAGE    11

STATEMENT OF DAVID MOSKOWITZ, GENERAL COUNSEL, WELLS FARGO HOME MORTGAGE
                                                                 PAGE    13

STATEMENT OF A.W. PICKEL, III, PRESIDENT AND CEO, LEADER MORTGAGE COMPANY, LENEXA, KS, 
PRESIDENT-ELECT, NATIONAL ASSOCIATION OF MORTGAGE BANKERS
                                                                 PAGE    17

STATEMENT OF TRAVIS B. PLUNKETT, LEGISLATIVE DIRECTOR, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    20

STATEMENT OF ALLEN FISHBEIN, GENERAL COUNSEL, CENTER FOR COMMUNITY CHANGE
                                                                 PAGE    22

STATEMENT OF HARRY GAMBILL, CEO, TRANSUNION LLC
                                                                 PAGE    26

STATEMENT OF MICHAEL VADALA, PRESIDENT AND CEO, THE SUMMIT FEDERAL CREDIT UNION, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS
                                                                 PAGE    71

STATEMENT OF C.R. CLOUTIER, CHAIRMAN, INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    74

STATEMENT OF GEORGE LOBAN, CO-CHAIRMAN AND PRESIDENT, FSF FINANCIAL CORPORATION AND FIRST FEDERAL 
FSB, HUTCHINSON, MN, ON BEHALF OF AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    77

STATEMENT OF ROBERT MANNING, PROFESSOR OF HUMANITIES, ROCHESTER INSTITUTE OF TECHNOLOGY
                                                                 PAGE    79

STATEMENT OF EVAN HENDRICKS, EDITOR, PRIVACY TIMES
                                                                 PAGE    83

STATEMENT OF MARTIN WONG, GENERAL COUNSEL, GLOBAL CONSUMER GROUP, CITIGROUP, INC.
                                                                 PAGE    86

STATEMENT OF SCOTT HILDEBRAND, VICE-PRESIDENT, DIRECT MARKETING SERVICES, CAPITAL ONE
                                                                 PAGE    89


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING