WITNESS LIST SJR 18 Senate Committee Report Business & Commerce February 5, 2013 - 8:00 AM FOR: Fleming, John (Texas Mortgage Bankers Association), Austin, TX Gonzalez, Daniel (Texas Association of Realtors), Austin, TX Morstad, Tim (American Association of Retired Persons), Austin, TX Norman, Scott (Sente Reverse Mortgage), Austin, TX Silver, Sandy (Self) , Austin, TX ON: Rickers, Emily (Alliance for Texas Families), Austin, TX Registering, but not testifying: FOR: Embrey, Celeste (Texas Bankers Association), Austin, TX Norman Jr., Scott (Texas Association of Builders), Austin, TX Scurlock, Steve (Independent Bankers Association of Texas), Austin, TX ON: Foster, Doug Commissioner (Texas Department of Savings and Mortgage), Austin, TX 1 WITNESS LIST SJR 18 Senate Committee Report Business & Commerce February 5, 2013 - 8:00 AM FOR: Fleming, John (Texas Mortgage Bankers Association), Austin, TX Gonzalez, Daniel (Texas Association of Realtors), Austin, TX Morstad, Tim (American Association of Retired Persons), Austin, TX Norman, Scott (Sente Reverse Mortgage), Austin, TX Silver, Sandy (Self) , Austin, TX ON: Rickers, Emily (Alliance for Texas Families), Austin, TX Registering, but not testifying: FOR: Embrey, Celeste (Texas Bankers Association), Austin, TX Norman Jr., Scott (Texas Association of Builders), Austin, TX Scurlock, Steve (Independent Bankers Association of Texas), Austin, TX ON: Foster, Doug Commissioner (Texas Department of Savings and Mortgage), Austin, TX 1