• Opening Statement of Full Committee Chairman Michael G. Oxley
• Opening Statement of Subcommittee Chairman Bob Ney

Prepared Testimony:

• Ms. Janis Bowdler, Housing Policy Analyst, National Council of La Raza, Washington, DC
• Mr. Robert Newman, Executive Vice Chairman, AmeriDream, Inc., Gaithersburg, Maryland
• Mr. Michael F. Petrie, President, P/R Mortgage & Investment Corporation, Indianapolis, Indiana, testifying as Chairman, Mortgage Bankers Association, Washington, DC
• Mr. William B. Shear, Director of Financial Markets and Community Investment, U.S. Government Accountability Office
• Mr. David F. Wilson, President, Wilson Construction LLC, Ketchum, Idaho, testifying as President, National Association of Home Builders