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