PROPOSALS FOR IMPROVING S. HRG. 108-849 THE REGULATION OF THE HOUSING HEARINGS BEFORE THE COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS ONE HUNDRED EIGHTH CONGRESS FIRST AND SECOND SESSIONS ON ESSENTIAL ELEMENTS AND PROPOSALS OF REGULATORY REFORM, 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 For sale by the Superintendent of Documents, U.S. Government Printing Office COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS RICHARD C. SHELBY, Alabama, Chairman ROBERT F. BENNETT, Utah JOHN E. SUNUNU, New Hampshire PAUL S. SARBANES, Maryland CHRISTOPHER J. DODD, Connecticut JACK REED, Rhode Island CHARLES E. SCHUMER, New York EVAN BAYH, Indiana ZELL MILLER, Georgia THOMAS R. CARPER, Delaware DEBBIE STABENOW, Michigan KATHLEEN L. CASEY, Staff Director and Counsel MARK F. OESTERLE, Counsel BRYAN N. CORBETT, Counsel PEGGY R. KUHN, Senior Financial Economist JONATHAN MILLER, Democratic Professional Staff JOSEPH R. KOLINSKI, Chief Clerk and Computer Systems Administrator (II) |