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Excerpt from Field Hearing Before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs, House of Representatives: One Hundred Third Congress, Second Session, September 14, 1994

First of all, I want to thank my good friend and colleague, Caro lyn Maloney, for inviting myself and the subcommittee up to dis cuss this important issue that has, unfortunately, developed in the city of New York and the surrounding areas.

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