Y4. B22/3:5. horg⋅ 101-1029

John C. Weicher, Assistant Secretary for Policy, Development and Research,

Department of Housing and Urban Development, Washington, DC.

Warren Lasko, executive vice president, Mortgage Bankers Association,

Washington, DC.....

Prepared statement

Michelle Meier, counsel, Government Affairs, Consumers Union, Washington,

DC.....

Prepared statement

Thomas Craren, partner, Office of Government Services, Price Waterhouse,

Washington, DĈ....

Kenneth D. Seaton, chairman and CEO, D&N Savings Bank, Hancock, MI.

Prepared statement

Gregory T. Barmore, president, Mortgage Insurance Corporation of America,

Washington, DC.....

Prepared statement

Gail Cincotta, executive director, National Peoples Action, Chicago, IL.

Frank Clay, 1st vice president of the National Association of Real Estate

Brokers, Louisville, KY.

Dwight Robinson, deputy director, Michigan State Housing Development Au-

thority, Lansing, MI

Prepared statement

123

Patrick Hendershott, professor of finance and public policy, Ohio State Uni-

versity, Columbus, OH..

John O'Brien, president and CEO, Central Pennsylvania Savings Association,

Shamokin, PA..

Prepared statement

Philip E. Forest, vice chairman, Single Family Governmental Finance Com-

mittee, National Association of Home Builders, Washington, DC.

Prepared statement

145

Norman D. Flynn, president, National Association of Realtors, Washington,

DC........

Prepared statement

75

99

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117

72

134

(III)