| | | | | | | | | | | | | | | | | | | | | | Ives, Everett (Texas Association of Mortgage Brokers), San Antonio, TX |
| | | Registering, but not testifying: |
| | | | | | Balovich, Julie (Texas Low Income Housing Information Service), Austin, TX |
| | | | Gonzalez, Daniel (Texas Association of Realtors), Austin, TX |
| | | | | | Fleming, John General Counsel (Department of Savings and Mortgage Lending), Austin, TX |
| | | | Irvine, Tim (Texas Department of Housing and Community Affairs), Austin, TX |
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