![Subprime mortgage crisis / Mortgage industry of the United States / United States housing bubble / Law / Economics / Finance / Banking in the United States / Central Bank of Ireland / Bank / Credit union / Federal Reserve System Subprime mortgage crisis / Mortgage industry of the United States / United States housing bubble / Law / Economics / Finance / Banking in the United States / Central Bank of Ireland / Bank / Credit union / Federal Reserve System](https://www.pdfsearch.io/img/658576fa76d35fc040fe47094d986601.jpg) Date: 2007-02-11 23:00:00Subprime mortgage crisis Mortgage industry of the United States United States housing bubble Law Economics Finance Banking in the United States Central Bank of Ireland Bank Credit union Federal Reserve System | | TESTIMONY OF J. PAT HICKMAN on behalf of THE INDEPENDENT BANKERS ASSOCIATION OF TEXAS (IBAT) before the SUBCOMMITTEE ON FINANCIAL INSTITUTIONS AND CONSUMER CREDIT
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