SPEAKER INDEX CONTENTS INSERTS BACA 33 BACHUS 4 34 38 41 44 47 50 53 54 55 58 60 61 BAKER 9 BROWN 44 47 53 54 62 68 77 78 80 88 CLAY 27 COUCH 35 36 56 57 60 77 80 81 87 COWAN 93 CROWLEY 21 61 84 85 86 87 88 DAVIS 88 89 EGGERT 97 110 FISHBEIN 41 44 69 80 81 82 85 86 FORD 30 GARRETT OF NEW JERSEY 17 GREEN 91 108 HARRIS 23 HENSARLING 14 HINOJOSA 29 KANJORSKI 106 107 108 109 110 KELLY 13 58 59 60 LEE 32 LUCAS 3 LUCAS OF KENTUCKY 61 62 63 64 MCCARTHY 21 MEEKS 81 83 84 MILLER 47 54 55 58 59 61 64 65 66 67 75 76 79 80 87 89 MILLER OF CALIFORNIA 19 64 65 66 MILLER OF NORTH CAROLINA 24 MOORE 27 NADON 50 57 62 63 66 71 73 83 85 87 NEY 1 4 7 9 11 13 14 15 17 18 19 21 23 24 27 28 30 31 32 33 34 35 64 66 67 69 73 74 75 76 77 78 80 81 84 88 90 93 95 97 100 103 105 109 110 111 PICKEL 38 56 72 74 80 82 RAITER 103 ROYCE 17 SANDERS 7 66 67 68 69 SAUNDERS 95 107 108 SCOTT 11 13 69 73 SHERMAN 31 SOMPLATSKY-JARMAN 100 109 VELAZQUEZ 16 61 78 79 80 WATERS 25 55 56 57 WATT 18 61 80 81 CONTENTS SPEAKERS INSERTS STATEMENT OF ROBERT C. COUCH, CHAIRMAN, MORTGAGE BANKERS ASSOCIATION PAGE 36 STATEMENT OF A.W. PICKEL, III, PRESIDENT, NATIONAL ASSOCIATION OF MORTGAGE BROKERS PAGE 38 STATEMENT OF ALLEN J. FISHBEIN, DIRECTOR OF HOUSING AND CREDIT POLICY, CONSUMER FEDERATION OF AMERICA PAGE 41 STATEMENT OF GEORGE BROWN, SENIOR VICE PRESIDENT, SELF HELP, ON BEHALF OF NORTH CAROLINA COALITION FOR RESPONSIBLE LENDING PAGE 44 STATEMENT OF THOMAS J. MILLER, ATTORNEY GENERAL, STATE OF IOWA PAGE 47 STATEMENT OF STEVE NADON, CHIEF OPERATING OFFICER AND EXECUTIVE VICE PRESIDENT, OPTION ONE, ON BEHALF OF COALITION FOR FAIR AND AFFORDABLE LENDING PAGE 50 STATEMENT OF MICAH S. GREEN, PRESIDENT, THE BOND MARKET ASSOCIATION PAGE 91 STATEMENT OF CAMERON ''CAM'' L. COWAN, ESQ., CHAIR, LEGISLATIVE AND JUDICIAL SUBCOMMITTEE, AMERICAN SECURITIZATION FORUM PAGE 93 STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER PAGE 95 STATEMENT OF KURT EGGERT, ASSOCIATE PROFESSOR OF LAW, CHAPMAN UNIVERSITY SCHOOL OF LAW PAGE 97 STATEMENT OF REV. WILLIAM SOMPLATSKY-JARMAN, PRESBYTERIAN USA, ON BEHALF OF THE INTERFAITH CENTER ON CORPORATE RESPONSIBILITY PAGE 100 STATEMENT OF FRANK L. RAITER, MANAGING DIRECTOR, STANDARD & POOR'S PAGE 103 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING