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| | | Aguilar, Rudy (Office of Consumer Credit Commissioner) |
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| | | Doggett, Robert (Texas Low Income Housing Information Service) |
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| | | Emerick, David (J.P. Morgan Chase) |
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| | | Foster, Doug (Texas Dept. Savings and Mortgage Lending) |
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| | | Gaines, James (Real Estate Center) |
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| | | Gerber, Michael (Texas Dept. of Housing & Community Affairs) |
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| | | Heasley, John (Texas Bankers Association) |
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| | | Ives, Everett (Texas Assoc of Mortgage Brokers) |
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| | | Long, David (TX State Affordable Hsg. Corporation & TX Foreclosure Prevention Task Force) |
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| | | Moriarty, Jennifer (Wells Fargo) |
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| | | Scurlock, Steve (Independent Bankers Association of Texas) |
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| | | Temple, Larry (Texas Mortgage Bankers Assn) |
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| | Registering, but not testifying: |
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