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JAMES A. LEACH, Iowa
DOUG BEREUTER, Nebraska
RICHARD H. BAKER, Louisiana
SPENCER BACHUS, Alabama
MICHAEL N. CASTLE, Delaware
PETER T. KING, New York
EDWARD R. ROYCE, California
FRANK D. LUCAS, Oklahoma
ROBERT W. NEY, Ohio
SUE W. KELLY, New York, Vice Chair
RON PAUL, Texas
PAUL E. GILLMOR, Ohio
JIM RYUN, Kansas
STEVEN C. LATOURETTE, Ohio
DONALD A. MANZULLO, Illinois
WALTER B. JONES, JR., North Carolina
DOUG OSE, California
JUDY BIGGERT, Illinois
MARK GREEN, Wisconsin
PATRICK J. TOOMEY, Pennsylvania
CHRISTOPHER SHAYS, Connecticut
JOHN B. SHADEGG, Arizona
VITO FOSSELLA, New York
GARY G. MILLER, California
MELISSA A. HART, Pennsylvania
SHELLEY MOORE CAPITO, West Virginia
PATRICK J. TIBERI, Ohio
MARK R. KENNEDY, Minnesota
TOM FEENEY, Florida
JEB HENSARLING, Texas
SCOTT GARRETT, New Jersey
TIM MURPHY, Pennsylvania
GINNY BROWN-WAITE, Florida
J. GRESHAM BARRETT, South Carolina
KATHERINE HARRIS, Florida
RICK RENZI, Arizona

BARNEY FRANK, Massachusetts
PAUL E. KANJORSKI, Pennsylvania
MAXINE WATERS, California
CAROLYN B. MALONEY, New York
LUIS V. GUTIERREZ, Illinois
NYDIA M. VELAZQUEZ, New York
MELVIN L. WATT, North Carolina
GARY L. ACKERMAN, New York
DARLENE HOOLEY, Oregon
JULIA CARSON, Indiana
BRAD SHERMAN, California
GREGORY W. MEEKS, New York
BARBARA LEE, California
JAY INSLEE, Washington
DENNIS MOORE, Kansas
CHARLES A. GONZALEZ, Texas
MICHAEL E. CAPUANO, Massachusetts
HAROLD E. FORD, JR., Tennessee
RUBÉN HINOJOSA, Texas
KEN LUCAS, Kentucky
JOSEPH CROWLEY, New York
WM. LACY CLAY, Missouri
STEVE ISRAEL, New York
MIKE ROSS, Arkansas
CAROLYN MCCARTHY, New York
JOE BACA, California
JIM MATHESON, Utah
STEPHEN F. LYNCH, Massachusetts
ARTUR DAVIS, Alabama
RAHM EMANUEL, Illinois
BRAD MILLER, North Carolina
DAVID SCOTT, Georgia

1

BERNARD SANDERS, Vermont

ROBERT U. FOSTER, III, Staff Director

(II)

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THURSDAY, SEPTEMBER 25, 2003

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

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(III)

Page

Prepared statements—Continued

Schultz, Dean
Spriggs, William E.
Taylor, D. Russell

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ADDITIONAL MATERIAL SUBMITTED FOR THE RECORD Baker, Hon. Richard H.:

Financial Services Forum, prepared statement Frank, Hon. Barney:

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

National Association of Realtors, prepared statement Courson, John:

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

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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