Federal Deposit
Insurance Corporation

March 10, 1998
Before the Senate Committee on
Banking, Housing, and Urban Affairs,
on financial regulatory relief and
economic efficiency.

April 29, 1998
Before the House Committee on Banking
and Financial Services, on mergers in
the financial services industry.

March 3, 1998
To the Independent Bankers Association
of America, on competitive challenges
facing the banking industry.

May 2, 1998
To the Conference of State Bank
Supervisors, on mergers between large
banks and mergers between banks and
other financial service providers.

June 25, 1998
Before the Senate Committee on
Banking, Housing, and Urban Affairs,
on financial modernization.

July 16, 1998
Before the House Committee on
Banking and Financial Services'
Subcommittee on Financial Institutions and
Consumer Credit, on regulatory relief.

September 17, 1998
Before the House Committee on
Banking and Financial Services,
on addressing the Year 2000
date change.

October 1, 1998
Before the House Committee on Banking
and Financial Services, on Long-Term
Capital Management, L.P.

September 2, 1998
To the National Bankers Association,
on challenges facing the FDIC.

September 27, 1998
To the American Bankers Association,
on the risk-based premium system
and risks to the insurance funds.

November 19, 1998
To the Community Bankers Association
of New York State, on three deposit
insurance-related issues: preparing
computer systems for the Year 2000
date change, emerging risks, and
refinements being considered for
the risk-based premium system.