ROBERT U. FOSTER, III, Staff Director

Bartlett, Hon. Steve, President and CEO, The Financial Services Roundtable.
Conine, C. Kent, Conine Residential Group, Inc., on behalf of the National
Association of Home Builders

Courson, John, President and CEO, Pacific Mortgage Company, on behalf
of the Mortgage Bankers Association of America

Falcon, Hon. Armando Jr., Director, Federal Housing Enterprise Oversight
Fishbein, Allen, Director of Housing and Credit Policy, Consumer Federation
of America

Gould, George D., Director, Freddie Mac

Hehman, David H., President and CEO, Federal Home Loan Bank of Cin-
cinnati

Korsmo, Hon. John T., Chairman, Federal Housing Finance Board
Montague, Terri Y., President and Chief Operating Officer, The Enterprise
Foundation

Raines, Franklin D., Chairman and Chief Executive Officer, Fannie Mae
Schultz, Dean, President and CEO, Federal Home Loan Bank of San Fran-
cisco

Spriggs, William E., Executive Director, National Urban League, Institute
for Opportunity and Equality
Taylor, D. Russell, President and CEO, Rahway Savings Association on behalf
of America's Community Bankers

(III)

Frank, Hon. Barney:

National Association of Realtors, prepared statement

Written response to questions from Hon. Ginny Brown-Waite Falcon, Hon. Armando Jr.:

Federal Home Loan Bank of Boston letter, September 24, 2003 Ney, Hon. Robert W.:

Courson, John:

256

257

261

Written response to questions from Hon. Ginny Brown-Waite Gould, George D.:

Written response to questions from Hon. Ginny Brown-Waite
Written response to questions from Hon. Barney Frank
Raines, Franklin D.:

Written response to questions from Hon. Ginny Brown-Waite
Written response to questions from Hon. Barney Frank

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266

268

270

275