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|  |  | | Anschutz, Everett L. (TX Assoc. of Mtg Brokers) | 
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|  |  | | Kucerak, Olga (Texas Association of Mortgage Brokers) | 
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|  |  | | Minnis, Norma (Dallas Ft. Worth Assoc of Mortgage Brokers) | 
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|  |  | | Sisk, Martin (Dallas Ft.Worth Assoc. of Mortgage Brokers) | 
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|  |  | | Temple, Larry (Texas Mortgage Bankers Assn) | 
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|  |  | | Doggett, Robert (Texas Low Income Housing Information Service) | 
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|  | | Registering, but not testifying: | 
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|  |  | | Heasley, John (Texas Bankers Association) | 
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|  |  | | Morris, Mark (JPMorgan Chase Bank, N.A.) | 
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|  |  | | Polan, Deborah (Texas Financial Services Association) | 
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|  |  | | Fleming, John (Department of Savings & Mortgage Lending) | 
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|  |  | | Payne, Commissioner, Danny (Tx. Dept. of Savings & Mort. Lending) | 
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|  |  | | Pettijohn, Leslie (Consumer Credit Commissioner) | 
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|  |  | | Brown, Charles (Hunter - Kelsey of Texas, LLC) | 
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|  |  | | Doggett, Mary Belan (TPTLA (Texas Property Tax Lenders Assoc.)) | 
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|  |  | | Frossard, Suzanne (Genesis Tax Loan Services, Inc. Genesis Tax Solutions, Inc.) | 
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|  |  | | Love, Roland (Texas Land Title Association) | 
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|  | | Registering, but not testifying: | 
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|  |  | | McDonough, J. Moore (Hunter Kelsey) | 
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|  |  | | Schwartz, A.R."Babe" (Genesis Tax Loan Services, Inc. Genesis Computer Services, Inc.) | 
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|  |  | | Migicovsky, Phil (Texas Property Tax Lenders Assocation) | 
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|  |  | | Culbreth, Ken (Walter Mortgage Co) | 
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|  |  | | Amick, Heather (FIS Tax Service) | 
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|  |  | | Doggett, Robert (Texas Low Income Housing Information Service) | 
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|  | | Registering, but not testifying: | 
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|  |  | | Feldman, Sam (RETAX FUNDING LP) | 
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|  |  | | Heasley, John (Texas Bankers Association) | 
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|  |  | | Matz, Laura (ACC Capital Holdings Corporation) | 
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|  |  | | Morris, Mark (JPMorgan Chase Bank) | 
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|  |  | | Rodgers, Kelly (Walter Mortgage Co. Countrywide Home Loans) | 
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|  |  | | Fleming, John (Dept Savings & Mortgage Lending) | 
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|  |  | | Payne, Danny (TX Dept. of Savings & Mort. Lending) | 
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|  |  | | Brown, Charles (Hunter-Kelsey of Texas, LLC) | 
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|  |  | | Doggett, Mary Belan (TPTLA) | 
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|  |  | | Frossard, Suzanne (Genesis Tax Loan Services, Inc. Genesis Tax Solutions, Inc.) | 
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|  |  | | Migicovsky, Phil (Texas Property Tax Lenders Association) | 
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|  |  | | Amick, Heather (FIS Tax Service) | 
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