Panel 1 - Issues with Home Mortgage Servicers

• Marta and Greg Guzman
• Timothy Bothe
• Charlotte Richards

Panel 2 - Home Mortgage Service Process

• JK Huey, Senior Vice President, Wells Fargo Home Mortgage Servicing (File 1, File 2)
• Larry Hartman, Vice President, Customer Experience for Chase Home Mortgage

Panel 4 - Regulation of the Industry

• Leslie L. Pettijohn, Commissioner, Office of Consumer Credit Commissioner (File 1, File 2, File 3)
• Douglas B. Foster, Commissioner, Texas Department of Savings and Mortgage Lending

Public Testimony

• Karen M. Neeley, General Counsel, Independent Bankers Association of Texas
• Submitted Testimony, Texas Foreclosure Prevention Taskforce

Panel 1 - State Perspective

• Donna L. Nelson, Commissioner, Public Utility Commission
• H.B. "Trip" Doggett, President/CEO, Electric Reliability Council of Texas (ERCOT)

Panel 2 - Consumer Perspective

• R.A. "Jake" Dyer, Policy Analyst, Cities Aggregation Power Project (File 1, File 2, File 3, File 4, File 5, File 6)

Panel 3 - Industry Perspective

• John W. Fainter, Jr., President/CEO, Association of Electric Companies of Texas (AECT)

Public Testimony

• Bill Peacock, Vice President of Research, Texas Public Policy Foundation (File 1, File 2)
• Carol Biedrzycki, Texas Ratepayers' Organization to Save Energy (ROSE)
• Cyrus Reed, Lone Star Chapter, Sierra Club
• Andrew Macfarlane, Data Foundry
• Tom "Smitty" Smith, State Director, Texas Office, Public Citizen
• Roger B. Borgelt, Austinites For Action
• Sandra Haverlah, Texas Consumer Association