SPEAKER INDEX CONTENTS INSERTS BACA 18 105 106 107 BACHUS 60 61 62 63 64 BAKER 6 33 34 35 36 37 93 94 95 96 97 98 105 146 148 151 152 153 154 157 159 164 BARTLETT 148 153 156 157 162 BRAD MILLER OF NORTH CAROLINA 124 125 126 CARSON 126 128 129 CASTLE 114 CHAIRMAN 1 6 9 11 13 16 18 19 25 28 29 30 31 33 48 49 53 55 58 60 63 64 65 67 71 76 77 80 82 83 84 85 89 91 93 96 98 99 101 102 105 107 110 114 116 119 122 124 126 129 130 132 136 139 140 143 CLAY 98 99 101 102 CONINE 133 COURSON 146 DAVIS 41 43 44 116 118 FALCON 20 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 53 54 55 56 58 59 60 61 62 65 66 67 FEENEY 56 57 58 FISHBEIN 136 139 155 163 FRANK 3 64 110 112 113 130 154 156 FRANK LUCAS OF OKLAHOMA 89 GONZALEZ 53 54 55 GOULD 68 85 86 94 101 102 107 108 109 110 119 126 HEHMAN 78 89 97 104 110 112 122 HENSARLING 119 120 121 122 KANJORSKI 9 31 32 33 85 87 88 89 157 158 KELLY 37 38 39 40 41 44 KORSMO 25 29 30 31 33 36 39 46 47 48 49 50 52 62 63 64 65 LEACH 44 45 46 47 LUCAS OF OKLAHOMA 91 MALONEY 64 65 MEEKS 65 66 MONTAGUE 140 NEY 16 RAINES 71 72 81 82 83 84 87 88 89 90 93 94 97 99 101 105 106 110 112 113 117 120 123 125 128 ROYCE 12 49 50 51 52 53 102 103 104 105 SCHULTZ 76 97 103 104 110 111 121 SCOTT 58 60 122 159 162 163 SHAYS 107 108 109 SHERMAN 65 91 93 SPRIGGS 143 153 161 TAYLOR 130 151 152 164 WATERS 13 48 49 CONTENTS SPEAKERS INSERTS STATEMENT OF ARMANDO FALCON JR., DIRECTOR, OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT PAGE 20 STATEMENT OF JOHN T. KORSMO, CHAIRMAN, FEDERAL HOUSING FINANCE BOARD PAGE 25 STATEMENT OF GEORGE D. GOULD, DIRECTOR, FREDDIE MAC PAGE 68 STATEMENT OF FRANKLIN RAINES, CEO, FANNIE MAE PAGE 71 STATEMENT OF DEAN SCHULTZ, PRESIDENT AND CEO, FEDERAL HOME LOAN BANK OF SAN FRANCISCO PAGE 76 STATEMENT OF DAVID HEHMAN, PRESIDENT AND CEO, FEDERAL HOME LOAN BANK OF CINCINNATI PAGE 77 STATEMENT OF D. RUSSELL TAYLOR, PRESIDENT AND CEO, RAHWAY SAVINGS INSTITUTION, REPRESENTING AMERICA'S COMMUNITY BANKERS PAGE 130 STATEMENT OF KENT CONINE, CONINE RESIDENTIAL GROUP, REPRESENTING NATIONAL ASSOCIATION OF HOMEBUILDERS PAGE 133 STATEMENT OF ALLEN FISHBEIN, DIRECTOR, HOUSING AND CREDIT POLICY, CONSUMER FEDERATION OF AMERICA PAGE 136 STATEMENT OF TERRI MONTAGUE, PRESIDENT AND CEO, THE ENTERPRISE FOUNDATION PAGE 140 STATEMENT OF WILLIAM SPRIGGS, EXECUTIVE DIRECTOR, INSTITUTE FOR OPPORTUNITY AND EQUALITY, NATIONAL URBAN LEAGUE PAGE 143 STATEMENT OF JOHN COURSON, PRESIDENT AND CEO, PACIFIC MORTGAGE COMPANY, ON BEHALF OF THE MORTGAGE BANKERS' ASSOCIATION OF AMERICA PAGE 146 STATEMENT OF STEVE BARTLETT, PRESIDENT AND CEO, THE FINANCIAL SERVICES ROUNDTABLE PAGE 148 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING