| | | | | | | | | | | | | | | | | | | | | | Bell, Patrick (Capital One Financial Corp), New Orleans, LA |
| | | | Cowell, Chuck (Unity National Bank of Houston), Houston, TX |
| | | | | | James, Randall S. (Texas Department of Banking), Austin, TX |
| | | Registering, but not testifying: |
| | | | | | Donohoe, Dan (JP Morgan Chase), Dallas, TX |
| | | | Heasley, John (Texas Bankers Association), Austin, TX |
| | | | Scurlock, Steve (Independent Bankers Association of Texas (IBAT)), Austin, TX |
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