PROPOSALS FOR IMPROVING

S. HRG. 108-849

THE REGULATION OF THE HOUSING
GOVERNMENT SPONSORED ENTERPRISES

HEARINGS

BEFORE THE

COMMITTEE ON

BANKING, HOUSING, AND URBAN AFFAIRS
UNITED STATES SENATE

ONE HUNDRED EIGHTH CONGRESS

FIRST AND SECOND SESSIONS

ON

ESSENTIAL ELEMENTS AND PROPOSALS OF REGULATORY REFORM,
RESOLUTION OF ACCOUNTING ISSUES, AND FUNDING OF A NEW
OVERSIGHT OFFICE

OCTOBER 16, 23, 2003, FEBRUARY 10, 24, AND 25, 2004

Printed for the use of the Committee on Banking, Housing, and Urban Affairs

Available at: http://www.access.gpo.gov/congress/senate/senate05sh.html

21-980 PDF

U.S. GOVERNMENT PRINTING OFFICE
WASHINGTON: 2005

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COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS

RICHARD C. SHELBY, Alabama, Chairman

ROBERT F. BENNETT, Utah
WAYNE ALLARD, Colorado
MICHAEL B. ENZI, Wyoming
CHUCK HAGEL, Nebraska
RICK SANTORUM, Pennsylvania
JIM BUNNING, Kentucky
MIKE CRAPO, Idaho

JOHN E. SUNUNU, New Hampshire
ELIZABETH DOLE, North Carolina
LINCOLN D. CHAFEE, Rhode Island

PAUL S. SARBANES, Maryland

CHRISTOPHER J. DODD, Connecticut
TIM JOHNSON, South Dakota

JACK REED, Rhode Island

CHARLES E. SCHUMER, New York

EVAN BAYH, Indiana

ZELL MILLER, Georgia

THOMAS R. CARPER, Delaware

DEBBIE STABENOW, Michigan
JON S. CORZINE, New Jersey

KATHLEEN L. CASEY, Staff Director and Counsel
STEVEN B. HARRIS, Democratic Staff Director and Chief Counsel
DOUGLAS R. NAPPI, Chief Counsel

MARK F. OESTERLE, Counsel

BRYAN N. CORBETT, Counsel

PEGGY R. KUHN, Senior Financial Economist
MARTIN J. GRUENBERG, Democratic Senior Counsel
STEPHEN R. KROLL, Democratic Special Counsel
SARAH A. KLINE, Democratic Counsel

JONATHAN MILLER, Democratic Professional Staff

JOSEPH R. KOLINSKI, Chief Clerk and Computer Systems Administrator
GEORGE E. WHITTLE, Editor

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