SPEAKER INDEX    CONTENTS   INSERTS   
ANTHONY        131    181  
BARR            46     54     55  
BRYANT          17     99    108    114    115    116  
BURNISTON       85    113    114  
CHABOT          55  
DELAHUNT        13     15  
GEKAS            9     13     15     17     18     20     21     22     25  
                45     49     52     54     57     58     64     69     70  
                71     72     75     78     85     89     94    109    110  
               111    112    113    114    117    122    131    135    139  
               142    149    151    157    161    177    178    179    180  
               181    182    183  
GLOVER         119    181    182    183  
HAWKE           58     70     71  
HUTCHINSON      19  
JAMES W. HARPER     4  
JULIAN EPSTEIN     3  
MCLAUGHLIN     139    179    180  
MEDINE          95    114    116  
NADLER          15     71     85    108    109    112  
NOJEIM         157    177  
PAUL            22     55  
RAYMOND V. SMIETANKA     4  
SCIACCA         71     79    113    115    117  
SINGLETON      149    178  
SIRS AND MADAMS    53  
SMALL           72    108    109    110    111  
SUSAN JENSEN-CONKLIN     4  
THOMAS E. MOONEY, SR     3  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF CHAIRMAN GEKAS
                                                                 PAGE     9

STATEMENT OF HON. RON PAUL, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF TEXAS
                                                                 PAGE    22

STATEMENT OF HON. BOB BARR, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF GEORGIA
                                                                 PAGE    46

STATEMENT OF JOHN D. HAWKE, JR., COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY, 
DEPARTMENT OF THE TREASURY
                                                                 PAGE    58

STATEMENT OF RICHARD A. SMALL, ESQ., ASSISTANT DIRECTOR, DIVISION OF BANKING SUPERVISION AND 
REGULATION, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
                                                                 PAGE    72

STATEMENT OF CHRISTIE A. SCIACCA, ASSOCIATE DIRECTOR, DIVISION OF SUPERVISION, FEDERAL DEPOSIT 
INSURANCE CORPORATION
                                                                 PAGE    79

STATEMENT OF TIMOTHY R. BURNISTON, MANAGING DIRECTOR, COMPLIANCE POLICY AND SPECIALTY 
EXAMINATIONS, OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY
                                                                 PAGE    85

STATEMENT OF DAVID MEDINE, ASSOCIATE DIRECTOR, FINANCIAL PRACTICES DIVISION, FEDERAL TRADE 
COMMISSION
                                                                 PAGE    94

STATEMENT OF JERE W. GLOVER, CHIEF COUNSEL, OFFICE OF ADVOCACY, SMALL BUSINESS OF ADMINISTRATION
                                                                 PAGE   118

STATEMENT OF ROBERT A. ANTHONY, PROFESSOR, GEORGE MASON UNIVERSITY SCHOOL OF LAW
                                                                 PAGE   131

STATEMENT OF JAMES McLAUGHLIN, DIRECTOR, REGULATORY AFFAIRS, AMERICAN BANKER'S ASSOCIATION
                                                                 PAGE   139

STATEMENT OF SOLVEIG SINGLETON, DIRECTOR OF INFORMATION STUDIES, CATO INSTITUTE
                                                                 PAGE   149

STATEMENT OF GREGORY T. NOJEIM, LEGISLATIVE COUNSEL, AMERICAN CIVIL LIBERTIES UNION
                                                                 PAGE   157


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING