Witnesses: Richard S. Carnell, Assoc. Prof. of Law, Fordham Univ. School of Law; Mitchell Delk, Sr. V.P., Freddie Mac; Martin Edwards, Jr., Partner, Wilkinson & Snowden, Inc., Pres.-Elect, Nat. Assoc. of Realtors, on behalf of the Nat. Assoc. of Realtors; J. Timothy Howard, Exec. V.P. & CFO, Fannie Mae; James C. Miller, III, Dir., LECG Economics-Finance, former Dir., Office of Mgmt. & Budget (OMB), former Chmn., Fed. Trade Comm. (FTC); Leslie K. Paige, V.P., Citizens Against Government Waste, on behalf of the Homeowners Education Coalition; & Edwin S. Rothschild, Principal, Podesta Mattoon, on behalf of FM Watch.Baker, Richard H. is the author of 'Reforming Fannie Mae and Freddie Mac Hearing Before the Committee on Financial Services, U.S. House of Representatives' with ISBN 9780756730963 and ISBN 0756730961.