Panel One:
Ms. Rita Herrod
A Private Citizen from West Virginia
Ms. Beatrice Hiers
A Private Citizen from Maryland
Ms. Susan Johnson
A Private Citizen from Minnesota
Panel Two:
Prof. Howell E. Jackson
Finn M.W. Caspersen and Household International Professor of Law
and Associate Dean for Research and Special Programs
Harvard Law School
Mr. Ira Rheingold
Executive Director
National Association of Consumer Advocates
Mr. John Courson
Chairman-elect
Mortgage Bankers Association
Mr. David Olson
President
David Olson Research
Mr. Joseph L. Falk
President
National Association of Mortgage Brokers
Mr. David Donaldson
Donaldson & Guin LLC.
Chairman Paul S. Sarbanes (D-MD)
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