HOUSE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS FERNAND J. ST GERMAIN, Rhode Island, Chairman HENRY B. GONZALEZ, Texas STEPHEN L. NEAL, North Carolina NORMAN E. D'AMOURS, New Hampshire WILLIAM J. COYNE, Pennsylvania RICHARD H. LEHMAN, California BRUCE A. MORRISON, Connecticut JIM COOPER, Tennessee MARCY KAPTUR, Ohio BEN ERDREICH, Alabama CHALMERS P. WYLIE, Ohio STEWART B. MCKINNEY, Connecticut GEORGE HANSEN, Idaho JIM LEACH, Iowa RON PAUL, Texas ED BETHUNE, Arkansas NORMAN D. SHUMWAY, California STAN PARRIS, Virginia BILL MCCOLLUM, Florida GEORGE C. WORTLEY, New York MARGE ROUKEMA, New Jersey BILL LOWERY, California DOUG BEREUTER, Nebraska JOHN HILER, Indiana THOMAS J. RIDGE, Pennsylvania STEVE BARTLETT, Texas CONTENTS ADDITIONAL MATERIAL SUBMITTED FOR INCLUSION IN THE RECORD Gray, Hon. Edwin J., prepared statement with an attached biography Page |