Panel One
The Honorable James V. Hansen (R-UT)
Panel Two
Michelle Meier
Counsel for Government Affairs
Consumers Union
R. Layne Morrill
National Association of Realtors
Kenneth L. Nicholson
President, Nicholson & Co.
Representing and President of, The Appraisal Institute
Panel Three
Brian L. Mc Donnell
President/CEO, Navy Federal Credit Union
Representing, The National Association of Federal Credit Unions,
and the Credit Union National Association
Ron McCord
President, American Mortgage and Investment Co.
Representing and President of, The Mortgage Bankers Association
Frank Sutkowski
Senior Executive Vice President and Director of Lending,
Liberty Bank, Middletown, CT.
Representing, America's Community Bankers
William H. Lacy,
Chairman & CEO,
Mortgage Guaranty Insurance Corp.
Representing, The Mortgage Insurance Companies of America
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