CONG THE 8 HL LIBRARY OF CONGRESS TH ARY OF CONGRESS THE LIBRARY OF COND CON THE CONGRESS THE LIBRARY OF CONG SS THE LIBRARY OF CONGRESS THE LIBRARY THE THE LIBRARY OF CONGRES CIU OHLSSS LIBRARY OF CONGRES AND BRARY OF CONGRESS THE LIBRARY OF CONG RARY OF CONGRESS THE LIBRAR CON CONGRESS THE LIBRARY, BRARY CON ая THE THE CONC THE THE LIBRARY OF CO GRESS THE LIBRARY, OF CONGRESS THE LIBRARY OF CO H THE 85 THE CONGRESS THE LIBRARY THE ONGRESS THE LIBRARO CONGRESS THE LIB E LIBRARY S OF CONGRESS THE LIBRARY, HE LIBRARY OF C THE LIBRARY OF CONGRES" "STYONOD LIBRARY OF CONGRESS THE LIBRARY OF CONGRESS THE LIBRARYO CONGRESS THE CON CO BA THE AR BRARY CONGRESS THE LIBRARY LI OF CONGRESS THE THE LIBRARY OF COM THE LIBRARY RARY OF CON CONG RY OF CONGRESS THE LIBRARY CONGRESS TH مرین OF CONGRESS THE LIBRARY CONGRES CAN BE HISSE BRAN OF CONGRESS THE LIBRA" ~ CONGRESS THE LIBRARY CON THE # LIBRARY OF CONGRESS, THE LIBRARY OF CONGRESS THE LIBRA CONGRESS THE LIBRARY a THE LIBRARY CONGA 817 OF CONGRESS TH ONGRESS THE LIBRARY CONGRESS THE LIBRA CONGRE CONG CONGRESS THE LIP RESS THE LIBRARY OF CONGRESS THE LIB THE STRENGTHENING AMERICA'S COMMUNITIES: HEARINGS BEFORE THE SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY OF THE COMMITTEE ON FINANCIAL SERVICES U.S. HOUSE OF REPRESENTATIVES ONE HUNDRED EIGHTH CONGRESS FIRST SESSION MARCH 25, APRIL 28, 2003 Printed for the use of the Committee on Financial Services Serial No. 108-14 89-410 PDF U.S. GOVERNMENT PRINTING OFFICE WASHINGTON: 2003 For sale by the Superintendent of Documents, U.S. Government Printing Office HOUSE COMMITTEE ON FINANCIAL SERVICES JAMES A. LEACH, Iowa MICHAEL G. OXLEY, Ohio, Chairman DOUG BEREUTER, Nebraska SUE W. KELLY, New York, Vice Chairman PAUL E. GILLMOR, Ohio JIM RYUN, Kansas STEVEN C. LATOURETTE, Ohio WALTER B. JONES, JR., North Carolina GARY G. MILLER, California SHELLEY MOORE CAPITO, West Virginia PATRICK J. TIBERI, Ohio MARK R. KENNEDY, Minnesota TOM FEENEY, Florida JEB HENSARLING, Texas SCOTT GARRETT, New Jersey TIM MURPHY, Pennsylvania J. GRESHAM BARRETT, South Carolina BARNEY FRANK, Massachusetts CHARLES A. GONZALEZ, Texas MICHAEL E. CAPUANO, Massachusetts JOSEPH CROWLEY, New York WM. LACY CLAY, Missouri STEVE ISRAEL, New York MIKE ROSS, Arkansas CAROLYN MCCARTHY, New York JOE BACA, California JIM MATHESON, Utah STEPHEN F. LYNCH, Massachusetts BRAD MILLER, North Carolina RAHM EMANUEL, Illinois DAVID SCOTT, Georgia ARTUR DAVIS, Alabama BERNARD SANDERS, Vermont |