United States Government Publishing Office publisher pbl distributor dst United States Congress Senate author aut Government Organization text government publication eng CHRG Congressional Committee Materials 108_senate_hearings legislative 2010-09-28 https://www.govinfo.gov/app/details/CHRG-108shrg21980 https://www.govinfo.gov/content/pkg/CHRG-108shrg21980/html/CHRG-108shrg21980.htm https://www.govinfo.gov/content/pkg/CHRG-108shrg21980/pdf/CHRG-108shrg21980.pdf U.S. Government Printing Office 2003-10-16 monographic deposited born digital 550 p. Y 4.B 22/3: https://www.govinfo.gov/app/details/CHRG-108shrg21980 P0b002ee180acd223 000581211 f:21980.done.txt DGPO 2010-09-28 2023-02-13 CHRG-108shrg21980 machine generated eng fdlp SHRG CHRG-108shrg21980 G SENATE 108 1 849 2004-02-10 2004-02-24 2004-02-25 2003-10-16 2003-10-23 S. Hrg. 108-849 PROPOSALS FOR IMPROVING THE REGULATION OF THE HOUSING GOVERNMENT SPONSORED ENTERPRISES OTHERPART CHRG-108shrg21980 true John W. Snow, Secretary, U.S. Department of the Treasury, Washington, DC Mel Martinez, Secretary, U.S. Department of Housing and Urban Development, Washington, DC Franklin D. Raines, Chairman and Chief Executive Officer, Fannie Mae George D. Gould, Presiding Director, Freddie Mac Norman B. Rice, President and Chief Executive Officer, Federal Home Loan Bank of Seattle John T. Korsmo, Chairman, Federal Housing Finance Board Armando Falcon, Jr., Director, Office of Federal Housing Enterprise Oversight Douglas Holtz-Eakin, Director, Congressional Budget Office John D. Koch, Executive Vice President and Chief Lending Officer, Charter One Bank, NA, Cleveland, Ohio, on behalf of America's Community Bankers, Washington, DC Dale J. Torpey, President and CEO, Federation Bank, Washington, Iowa, on behalf of the Independent Community Bankers of America Allen J. Fishbein, Director for Housing and Credit Policy, Consumer Federation of America, on behalf of National Association of Consumer Advocates, National Community Reinvestment Coalition, National Congress for Community Economic Development, National Fair Housing Alliance, and Consumer Federation of America Robert M. Couch, Chairman, Mortgage Bankers Association Iona C. Harrison, Realty Executives-Main Street, U.S.A., on behalf of the National Association of REALTORS<SUP>'</SUP> David M. Walker, Comptroller General, Accompanied by Tom McCool, Managing Director, Financial Markets and Community Investments, U.S. General Accounting Office Alan L. Beller, Director, Division of Corporation Finance, U.S. Securities and Exchange Commission Richard S. Carnell, Associate Professor of Law, Fordham University School of Law, New York, New York James R. Rayburn, President, National Association of Home Builders Alan Greenspan, Chairman, Board of Governors of the Federal Reserve System, Washington, DC Franklin D. Raines, Chairman and Chief Executive Officer, Fannie Mae Richard F. Syron, Chairman and Chief Executive Officer, Freddie Mac Norman B. Rice, President and Chief Executive Officer, Federal Home Loan Bank of Seattle false 21-980 Committee on Banking, Housing, and Urban Affairs Banking, Housing, and Urban Affairs WAYNE ALLARD of Colorado Wayne Allard Allard, Wayne A. Wayne Allard ROBERT F. BENNETT of Utah Robert F. Bennett Bennett, Robert F. Robert Bennett JIM BUNNING of Kentucky Jim Bunning Bunning, Jim EVAN BAYH of Indiana Evan Bayh Bayh, Evan THOMAS R. CARPER of Delaware Thomas R. Carper Carper, Thomas R. Mr. Thomas Carper MIKE CRAPO of Idaho Mike Crapo Crapo, Mike LINCOLN D. CHAFEE of Rhode Island Lincoln Chafee Chafee, Lincoln Mr. Lincoln D. Chafee JON S. CORZINE of New Jersey Jon S. Corzine Corzine, Jon S. Jon Corzine CHRISTOPHER J. DODD of Connecticut Christopher J. Dodd Dodd, Christopher J. Christopher John Dodd ELIZABETH DOLE of North Carolina Elizabeth Dole Dole, Elizabeth Mrs. Elizabeth H. Dole MICHAEL B. ENZI of Wyoming Michael B. Enzi Enzi, Michael B. Michael Enzi CHUCK HAGEL of Nebraska Chuck Hagel Hagel, Chuck TIM JOHNSON of South Dakota Tim Johnson Johnson, Tim ZELL MILLER of Georgia Zell Miller Miller, Zell JACK REED of Rhode Island Jack Reed Reed, Jack Mr. John Reed RICK SANTORUM of Pennsylvania Rick Santorum Santorum, Rick PAUL S. SARBANES of Maryland Paul S. Sarbanes Sarbanes, Paul S. Paul Spyros Sarbanes CHARLES E. SCHUMER of New York Charles E. Schumer Schumer, Charles E. Mr. Charles Schumer RICHARD C. SHELBY of Alabama Richard C. Shelby Shelby, Richard C. Mr. Richard Shelby DEBBIE STABENOW of Michigan Debbie Stabenow Stabenow, Debbie JOHN E. SUNUNU of New Hampshire John E. Sununu Sununu, John E. John Sununu

false false United States Congress Senate Committee on Banking, Housing, and Urban Affairs associated name asn Government Organization Wayne Allard United States Senate committee member United States Congressional Member Robert F. Bennett United States Senate committee member United States Congressional Member Jim Bunning United States Senate committee member United States Congressional Member Evan Bayh United States Senate committee member United States Congressional Member Thomas R. Carper United States Senate committee member United States Congressional Member Mike Crapo United States Senate committee member United States Congressional Member Lincoln Chafee United States Senate committee member United States Congressional Member Jon S. Corzine United States Senate committee member United States Congressional Member Christopher J. Dodd United States Senate committee member United States Congressional Member Elizabeth Dole United States Senate committee member United States Congressional Member Michael B. Enzi United States Senate committee member United States Congressional Member Chuck Hagel United States Senate committee member United States Congressional Member Tim Johnson United States Senate committee member United States Congressional Member Zell Miller United States Senate committee member United States Congressional Member Jack Reed United States Senate committee member United States Congressional Member Rick Santorum United States Senate committee member United States Congressional Member Paul S. Sarbanes United States Senate committee member United States Congressional Member Charles E. Schumer United States Senate committee member United States Congressional Member Richard C. Shelby United States Senate committee member United States Congressional Member Debbie Stabenow United States Senate committee member United States Congressional Member John E. Sununu United States Senate committee member United States Congressional Member John W. Snow, Secretary, U.S. Department of the Treasury, Washington, DC witness wit Hearing Witness Mel Martinez, Secretary, U.S. Department of Housing and Urban Development, Washington, DC witness wit Hearing Witness Franklin D. Raines, Chairman and Chief Executive Officer, Fannie Mae witness wit Hearing Witness George D. Gould, Presiding Director, Freddie Mac witness wit Hearing Witness Norman B. Rice, President and Chief Executive Officer, Federal Home Loan Bank of Seattle witness wit Hearing Witness John T. Korsmo, Chairman, Federal Housing Finance Board witness wit Hearing Witness Armando Falcon, Jr., Director, Office of Federal Housing Enterprise Oversight witness wit Hearing Witness Douglas Holtz-Eakin, Director, Congressional Budget Office witness wit Hearing Witness John D. Koch, Executive Vice President and Chief Lending Officer, Charter One Bank, NA, Cleveland, Ohio, on behalf of America's Community Bankers, Washington, DC witness wit Hearing Witness Dale J. Torpey, President and CEO, Federation Bank, Washington, Iowa, on behalf of the Independent Community Bankers of America witness wit Hearing Witness Allen J. Fishbein, Director for Housing and Credit Policy, Consumer Federation of America, on behalf of National Association of Consumer Advocates, National Community Reinvestment Coalition, National Congress for Community Economic Development, National Fair Housing Alliance, and Consumer Federation of America witness wit Hearing Witness Robert M. Couch, Chairman, Mortgage Bankers Association witness wit Hearing Witness Iona C. Harrison, Realty Executives-Main Street, U.S.A., on behalf of the National Association of REALTORS<SUP>'</SUP> witness wit Hearing Witness David M. Walker, Comptroller General, Accompanied by Tom McCool, Managing Director, Financial Markets and Community Investments, U.S. General Accounting Office witness wit Hearing Witness Alan L. Beller, Director, Division of Corporation Finance, U.S. Securities and Exchange Commission witness wit Hearing Witness Richard S. Carnell, Associate Professor of Law, Fordham University School of Law, New York, New York witness wit Hearing Witness James R. Rayburn, President, National Association of Home Builders witness wit Hearing Witness Alan Greenspan, Chairman, Board of Governors of the Federal Reserve System, Washington, DC witness wit Hearing Witness Franklin D. Raines, Chairman and Chief Executive Officer, Fannie Mae witness wit Hearing Witness Richard F. Syron, Chairman and Chief Executive Officer, Freddie Mac witness wit Hearing Witness Norman B. Rice, President and Chief Executive Officer, Federal Home Loan Bank of Seattle witness wit Hearing Witness S. 1508 108 BODY H.R. 2575 108 BODY Title 12 Section 1369A(a) Title 12 Section 1823(c)(4) Title 12 Section 1823(c)(4)(G) Title 12 Section 4501(4) Title 12 Section 4620(a) 12 U.S.C. 1369A(a) 12 U.S.C. 1823(c)(4) 12 U.S.C. 1823(c)(4)(G) 12 U.S.C. 4501(4) 12 U.S.C. 4620(a) Title 15 Section 77a Title 15 Section 77r-1(a)(1) Title 15 Section 78a 15 U.S.C. 77a 15 U.S.C. 77r-1(a)(1) 15 U.S.C. 78a Title 29 Section 1302(d) 29 U.S.C. 1302(d) Volume 47 Page 725 47 Stat. 725 Volume 116 Page 745 116 Stat. 745 Public Law 72-304 Public Law 102-550 Public Law 103-73 Public Law 106-102 Public Law 107-204 Title 12 Part 360.6 12 CFR Part 360.6 Title 12 Part 985.6(b) 12 CFR Part 985.6(b) Title 17 Part 210and 17 CFR Part 210and Title 17 Part 229 17 CFR Part 229 Title 17 Part 270.35d-1 17 CFR Part 270.35d-1 S. Rept. 102-282