SPEAKER INDEX CONTENTS INSERTS BACHUS 1 4 5 6 7 8 11 14 15 16 25 26 29 32 36 37 38 39 40 41 42 43 44 CHENEY 29 37 39 40 43 CUSTER 26 36 39 40 42 DAVIS 16 17 18 19 JACKSON 26 32 38 41 43 JOHNSON 8 15 16 18 19 20 21 22 23 24 LITTLE 11 14 15 17 19 23 24 MALONEY 23 24 ROYCE 5 19 20 21 23 24 SANDERS 4 7 SHERMAN 6 7 21 22 23 CONTENTS SPEAKERS INSERTS STATEMENT OF JOANN JOHNSON, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 8 STATEMENT OF ROGER W. LITTLE, DEPUTY COMMISSIONER OF CREDIT UNIONS, MICHIGAN OFFICE OF FINANCIAL AND INSURANCE SERVICES, REPRESENTING THE NATIONAL ASSOCIATION OF STATE CREDIT SUPERVISORS PAGE 11 STATEMENT OF SHARON CUSTER, PRESIDENT AND CEO, BMI FEDERAL CREDIT UNION, REPRESENTING THE CREDIT UNION NATIONAL ASSOCIATION PAGE 26 STATEMENT OF BILL CHENEY, PRESIDENT AND CEO, XEROX FEDERAL CREDIT UNION, REPRESENTING NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS PAGE 29 STATEMENT OF WILLIAM E. JACKSON III, ASSOCIATE PROFESSOR OF FINANCE AND ECONOMICS, UNIVERSITY OF NORTH CAROLINA PAGE 32 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING