| | | | | | | | | | | | | | | | | | | Registering, but not testifying: |
| | | | | | Fleming, John (Department of Savings and Mortgage Lending), Austin, TX |
| | | | Ives, Everett (Texas Association of Mortgage Brokers), San Antonio, TX |
| | | | Payne, Danny (Texas Department of Savings and Mortgage Lending), Austin, TX |
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