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