SPEAKER INDEX    CONTENTS   INSERTS   
BACA            22  
BACHUS           1      3      6     11     12     13     14     16     17  
                18     19     20     21     22     24     26     28     31  
                32     40     43     45     48     51     53     54     55  
                58     59     60     64     65     68     71     72     73  
BIGGERT         17     48     49     50  
CASTLE           1  
DAVIS           25     65     66     67  
DRAUT           28     40     47     58     63     64     67  
FEENEY          21  
FOX             35     40     47     57     58     60     68     70     72  
HENSARLING      12     14  
LIVELY          28     31     32     44     45     48     50     52     53  
                66  
MALONEY         68     70     71  
MCENENEY        32     45     46     48     49     53     57     61     64  
                65     66     69     71  
MEEKS           14  
ROSS            18     20     61     64     65  
SANDERS          9     11     43     44     45     46     47     48     56  
                58     59  
SHERMAN          3      4     51     53     54  
TIBERI          35  
TOOMEY          24     55     56     57     58     59  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF RANDY LIVELY, PRESIDENT AND CEO, AMERICAN FINANCIAL SERVICES ASSOCIATION
                                                                 PAGE    28

STATEMENT OF MICHAEL F. MCENENEY, PARTNER, SIDLEY AUSTIN BROWN & WOOD LLP, ON BEHALF OF THE 
CONSUMER BANKERS ASSOCIATION
                                                                 PAGE    32

STATEMENT OF JEAN ANN FOX, DIRECTOR OF CONSUMER PROTECTION, CONSUMER FEDERATION OF AMERICA
                                                                 PAGE    35

STATEMENT OF TAMARA DRAUT, DIRECTOR, ECONOMIC OPPORTUNITY PROGRAM, DEMOS: A NETWORK FOR IDEAS AND 
ACTION
                                                                 PAGE    40


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING