Printed Hearing 112-7

• The Honorable David Stevens, Assistant Secretary for Housing and Commissioner of the Federal Housing Administration, U.S. Department of Housing and Urban Development (HUD)
• The Honorable Theodore “Ted” Tozer, President, Government National Mortgage Association (Ginnie Mae)
• Ms. Phyllis Caldwell, Chief, Homeownership Preservation Office, U.S. Department of Treasury 

• Mr. Douglas Holtz-Eakin, President, American Action Forum and former director of the Congressional Budget Office from 2003 to 2005
• Mr. Michael A. J. Farrell, Chairman, President & CEO, Annaly Capital Management, Inc.
• Ms. Faith Schwartz, Executive Director, HOPE Now
• Ms. Julia Gordon, Senior Policy Counsel, Center for Responsible Lending