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COMMITTEE ON BANKING, CURRENCY AND HOUSING

HENRY S. REUSS, Wisconsin, Chairman

WRIGHT PATMAN, Texas

ALBERT W. JOHNSON, Pennsylvania

WILLIAM A. BARRETT, Pennsylvania J. WILLIAM STANTON, Ohio

LEONOR K. (MRS. JOHN B.) SULLIVAN, GARRY BROWN, Michigan

Missouri

CHALMERS P. WYLIE, Ohio

THOMAS L. ASHLEY, Ohio

JOHN H. ROUSSELOT, California

WILLIAM S. MOORHEAD, Pennsylvania STEWART B. MCKINNEY, Connecticut

ROBERT G. STEPHENS, JR., Georgia JOHN B. CONLAN, Arizona

FERNAND J. ST GERMAIN, Rhode Island GEORGE HANSEN, Idaho

HENRY B. GONZALEZ, Texas

RICHARD T. SCHULZE. Pennsylvania

JOSEPH G. MINISH, New Jersey

WILLIS D. GRADISON, JR., Ohio

FRANK ANNUNZIO, Illinois

HENRY J. HYDE, Illinois
THOMAS M. REES, California

RICHARD KELLY, Florida
JAMES M. HANLEY, New York

CHARLES E. GRASSLEY, Iowa
PARREN J. MITCHELL, Maryland

MILLICENT FENWICK, New Jersey
WALTER E. FAUNTROY, District of

Columbia

LINDY (MRS. HALE) BOGGS, Louisiana

STEPHEN L. NEAL, North Carolina

JERRY M. PATTERSON, California

JAMES J. BLANCHARD, Michigan
CARROLL HUBBARD, JR., Kentucky
JOHN J. LAFALCE, New York
GLADYS NOON SPELLMAN, Maryland
LES AUCOIN, Oregon
PAUL E. TSONGAS, Massachusetts
BUTLER DERRICK, South Carolina
PHILIP H. HAYES, Indiana
MARK W. HANNAFORD, California
DAVID W. EVANS, Indiana
CLIFFORD ALLEN, Tennessee

PAUL NELSON, Clerk and Staff Director
WILLIAM P. Dixox, General Counsel
MICHAEL P. FLAHERTY, Counsel

GRASTY CREWS II, Counsel
ORMAN S. FINK, Minority Staff Director

GRAHAM T. NORTHUP, Deputy Minority Staff Director

SUBCOMMITTEE ON FINANCIAL INSTITUTIONS SUPERVISION, REGULATION

AND INSURANCE

FERNAND J. ST GERMAIN, Rhode Island, Chairman
FRANK ANNUNZIO, Illinois

JOHN H. ROUSSELOT, California
WILLIAM A. BARRETT, Pennsylvania ALBERT W. JOHNSON, Pennsylvania
JAMES M. HANLEY, New York

CHALMERS P. WYLIE, Ohio
WILLIAM S. MOORHEAD, Pennsylvania GARRY BROWN, Michigan
CARROLL HUBBARD, JR., Kentucky

WILLIS D. GRADISON, JR., Ohio

WRIGHT PATMAN. Texas

HENRY J. HYDE, Illinois

STEPHEN L. NEAL, North Carolina

JERRY M. PATTERSON, California

BUTLER DERRICK, South Carolina

THOMAS L. ASHLEY, Ohio

WALTER E. FAUNTROY, District of

Columbia

LINDY (MRS. HALE) BOGGS, Louisiana

CONTENTS

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Balick, Sanford E., on behalf of Gellman Research Associates, Jenkintown,

Pa....

Benda, Kenneth J., president, Independent Bankers Association of

America...

Benedict, Howard M., chairman, Subcommittee on Mortgage Finance for

the National Aescciation of Realtors; accompanied by Jo Ann Barefoot,

Director of Mortgage Finance.

Bitterly, George R., vice president, Institute of Foreign Bankers-

Brimmer, Dr. Andrew F., member of the faculty, Graduate School of

Business Administration, Harvard University, and former member of

the Board of Governors of the Federal Reserve System.-

Brinkerhoff, Philip R., Executive Vice President and Chief Administrative

Officer, Federal Home Loan Mortgage Corporation.-

Burnham, I. W., II, chairman of the board, Securities Industry Association

and chairman, Drexel Burnham & Co., Inc.; accompanied by Edward I.

O'Brien, president, Securities Industry Association; James W. Walker,

executive vice president; and Richard O. Scribner, senior vice president

and general counsel...

Burns, Hon. Arthur F., Chairman, Board of Governors of the Federal

Reserve System.-

Campbell, Raymond D., chairman, Competing Financial Institution Com-

mittee, Independent Bankers Association of America.--

Chase, Dr. Samuel B., Jr., consultant to the FINE Study -

Cincotta, Gale, chairperson, National People's Action on Housing, Chicago,

m.

Coldwell, Hon. Philip E., member, Board of Governors, Federal Reserve

System..

Connell, Lawrence, Jr., bank commissioner, State of Connecticut-
Crawford, Morris D., Jr., chairman of the board, Bowery Savings Bank

on behalf of the National Association of Mutual Savings Banks; ac-
companied by Dr. Grover W. Ensley, executive vice president; P. James
Riordan, general counsel; and Donald E. Lawson, assistant director of
research, National Association of Mutual Savings Banks..

2401

655

785

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