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COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS

ALFONSE M. D'AMATO, New York, Chairman L GRAMM, Texas

PAUL S. SARBANES, Maryland HARD C. SHELBY, Alabama

CHRISTOPHER J. DODD, Connecticut NNIE MACK, Florida

JOHN F. KERRY, Massachusetts JCH FAIRCLOTH, North Carolina

RICHARD H. BRYAN, Nevada
BERT F. BENNETT, Utah

BARBARA BOXER, California
GRAMS, Minnesota

CAROL MOSELEY-BRAUN, Illinois WAYNE ALLARD, Colorado

TIM JOHNSON, South Dakota MICHAEL B. ZI, Wyoming

JACK ED, Rhode Island CHUCK HAGEL, Nebraska

HOWARD A. MENELL, Staff Director

PHILIP E. BECHTEL, Chief Counsel
STEVEN B. HARRIS, Democratic Staff Director and Chief Counsel

LAURA S. UNGER, Counsel
HELENA K. GRANNIS, Professional Staff Member

MITCHELL FEUER, Democratic Counsel
ANDREW LOWENTHAL, Democratic Professional Staff Member

GEORGE E. WHITTLE, Editor

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CONTENTS

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