SPEAKER INDEX    CONTENTS   INSERTS   
BELEW           63     72  
CROWLEY         13     51     52     53  
DAVIS           17     48     49     50  
FRANK            8  
GARRETT         10     40     42     43  
GUTIERREZ        4     33     34     35     36     37     38     39     40  
HAMMOND         64     72     74  
KELLY            1      6      8     10     11     13     14     16     17  
                18     22     25     26     29     30     31     32     33  
                36     39     40     44     47     51     53     56     59  
                60     62     64     66     68     70     71     72     73  
                74  
MALONEY         11     44     45     46     47  
MILLER          22     31     32     40     41     42     46     49     53  
MOORE           16  
MURPHY          13  
NEY             14  
OXLEY            6  
SHELTON         67     68     70     71  
TAYLOR          25     26     29     32     42     46     56     59     60  
                73  
THOMAS          60     73  
WILLIAMS        19     29     30     31     34     35     37     38     39  
                40     42     43     44     46     48     49     50     51  
                52     53  
YINGLING        54     73  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF 
THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE    19

STATEMENT OF THOMAS J. MILLER, ATTORNEY GENERAL, STATE OF IOWA, ON BEHALF OF THE NATIONAL 
ASSOCIATION OF ATTORNEYS GENERAL
                                                                 PAGE    22

STATEMENT OF DIANA TAYLOR, NEW YORK SUPERINTENDENT OF BANKING, ON BEHALF OF THE CONFERENCE OF 
STATE BANK SUPERVISORS.
                                                                 PAGE    25

STATEMENT OF EDWARD L. YINGLING, EXECUTIVE VICE PRESIDENT, AMERICAN BANKERS' ASSOCIATION
                                                                 PAGE    54

STATEMENT OF JOHN TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION
                                                                 PAGE    56

STATEMENT OF KAREN THOMAS, DIRECTOR OF REGULATORY AFFAIRS, INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    60

STATEMENT OF JOE BELEW, PRESIDENT, CONSUMER BANKERS' ASSOCIATION
                                                                 PAGE    62

STATEMENT OF LEE HAMMOND, BOARD MEMBER, AARP
                                                                 PAGE    64

STATEMENT OF HILARY SHELTON, DIRECTOR, WASHINGTON BUREAU OF THE NATIONAL ASSOCIATION FOR THE 
ADVANCEMENT OF COLORED PEOPLE
                                                                 PAGE    67


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING