Ferland, Roland, vice chairman, financial institutions committee, National
Association of Home Builders, accompanied by Gary Paul Kane, associate
legislative counsel
Friedman, Hon. Stephen J., Deputy Assistant Secretary for Capital Markets
Policy, Department of the Treasury
Hutchinson, John, secretary, National Association of Federal Credit Unions,
manager, National Standard Federal Credit Union, Windsor Locks, Conn.;
accompanied by Karl Hoyle, legislative representative.