WITNESS LIST

Business & Commerce Committee
May 3, 2004 -10:00A


Commerial Loans
       ON:        Stinson, Bill Vice President of Government Affairs
                         (Texas Association of Realtors), Austin, TX

Consumer Credit Counseling
       FOR:       Gray, Marianne President (Consumer Credit Counseling
                         Service of Greater Fort Worth), Fort Worth,
                         TX
       ON:        Pettijohn, Leslie Commissioner (Office of Consumer
                         Credit Commissioner), Austin, TX
                  Rocha, Lucinda (Consumer Credit Counseling of
                         Greater San Antonio), San Antonio, TX

  Registering, but not testifying:
       For:       Cunningham, Gail Vice President (Consumer Credit
                         Counseling Service), Wichita Falls, TX

Usury Law
       FOR:       Perkins, Val Attorney (Texas Business Law
                         Foundation), Houston, TX
       ON:        Heasley, John (Texas Bankers Association), Austin,
                         TX
                  Jobe, Everette General Counsel (Texas Department of
                         Banking), Austin, TX
                  Neeley, Karen Attorney (Independent Bankers
                         Association of Texas), Austin, TX
                  Pettijohn, Leslie Commissioner (Office of Consumer
                         Credit Commissioner), Austin, TX