SPEAKER INDEX CONTENTS INSERTS
BACA 18
BACHUS 4 22 24 25 26 32 35 38 39
41 45 48 49 50 51 52 53 54
55 56 57 58 59 60 63 68 72
76 81 83 84 85 89 93 99 100
104 105
BAKER 10
BRYCE 32 52 53 56 64 74 75 78 79
80 84 92 93 99 109 114 115
BUTTS 38 39 53 54 56 62 73 75 84
91 96 99 107
CALOMIRIS 118 120 137 141
CARSON OF INDIANA 19
CLAY 93 94 95 96 97 136 137 138 139
140
CROWLEY 111 112 114
DANA 35 54 55 56 57 64 65 87 88
92 94 99 108
DAVIS 105 107 108 109 110 111 151
GARCIA 127 129 130 138 143 146 147 149
GARY G. MILLER OF CALIFORNIA 76
HENSARLING 60 62 63
HINOJOSA 16
KANJORSKI 3
LEE 15
LUCAS OF OKLAHOMA 81
MALONEY 11
MILLER OF NORTH CAROLINA 21 85 86 87 88
NEY 1 4 6 9 10 12 14 16 17
18 19 20 97 98 99 102 108 111
114 115 116 118 120 123 124 127 129
130 133 136 140 141 143 144 146 147
148 149 150 152 153 155 156
ROYCE 17
SAMUELS 28 51 57 60 63 66 67 68 75
78 79 80 81 85 86 87 92 94
103 110
SANDERS 68 69 70 71
SCOTT 22 24 25 97 101 102 103 104
SHERMAN 12 14 25 26 89 91 92 93
SMITH 130 138 150 151 152 154 155 156
STATEN 133 139 140 150 153
STEIN 41 51 59 68 69 70 71 72 73
80 82 91 95 98 100 113
THEOLOGIDES 45 48 50 55 65 66 67 76 83
88 91 92 95 96 97 101 102 106
107 112 115
VELAZQUEZ 25 72 73 74 75 76
WATERS 6 63 64 65 66 67 68
WATT 57 58 59
YEZER 123 124 137 142 143
CONTENTS SPEAKERS INSERTS
STATEMENT OF SANDOR E. SAMUELS, SENIOR MANAGING DIRECTOR AND CHIEF LEGAL OFFICER, COUNTRYWIDE, ON
BEHALF OF THE HOUSING POLICY COUNCIL OF THE FINANCIAL SERVICES ROUNDTABLE
PAGE 28
STATEMENT OF TERESA BRYCE, VICE PRESIDENT AND GENERAL COUNSEL, NEXSTAR FINANCIAL CORPORATION, ON
BEHALF OF MORTGAGE BANKERS ASSOCIATION
PAGE 32
STATEMENT OF WILLIAM DANA, PRESIDENT AND CEO, CENTRAL BANK OF KANSAS CITY ON BEHALF OF AMERICAN
BANKERS ASSOCIATION
PAGE 35
STATEMENT OF GEORGE BUTTS, PROGRAM DIRECTOR, ACORN HOUSING CORPORATION OF PENNSYLVANIA, ON BEHALF
OF ASSOCIATION FOR COMMUNITY ORGANIZATIONS FOR REFORM NOW
PAGE 38
STATEMENT OF ERIC STEIN, SENIOR VICE PRESIDENT, CENTER FOR RESPONSIBLE LENDING OF NORTH CAROLINA
PAGE 41
STATEMENT OF STERGIOS THEOLOGIDES, EXECUTIVE VICE PRESIDENT, GENERAL COUNSEL AND SECRETARY, NEW
CENTURY FINANCIAL CORPORATION, ON BEHALF OF COALITION FOR FAIR AND AFFORDABLE LENDING
PAGE 45
STATEMENT OF CHARLES W. CALOMIRIS, HENRY KAUFMAN PROFESSOR OF FINANCIAL INSTITUTIONS, COLUMBIA
UNIVERSITY
PAGE 118
STATEMENT OF ANTHONY YEZER, PROFESSOR, DEPARTMENT OF ECONOMICS, GEORGE WASHINGTON UNIVERSITY
PAGE 123
STATEMENT OF NORMA GARCIA, SENIOR ATTORNEY, WEST COAST REGIONAL OFFICE OF CONSUMERS' UNION
PAGE 127
STATEMENT OF GEOFF SMITH, PROJECT DIRECTOR, WOODSTOCK INSTITUTE
PAGE 130
STATEMENT OF MICHAEL STATEN, DIRECTOR, CREDIT RESEARCH CENTER, MCDONOUGH SCHOOL OF BUSINESS,
GEORGETOWN UNIVERSITY
PAGE 133
INSERTS SPEAKERS CONTENTS
NO INSERTS IN THIS HEARING