WASHINGTON - NOVEMBER 13: (L-R) CEO of the Center for Responsible Lending Martin Eakes speaks as Executive Vice President and Chief Risk Officer for JPMorgan Chase Barry Zubrow, Executive Vice President and Co-general Counsel for the Goldman Sachs Group Gregory Palm, professor of financial management at the Wharton School of the University of Pennsylvania Susan Wachter, Global Marketing and Corporate Affairs Executive at the Bank of America Anne Finucane, Executive Vice President and Chief Executive Officer of the Minnesota Region of Wells Fargo Bank Jon Campbell listen during a hearing before the Senate Banking, Housing and Urban Affairs Committee on Capitol Hill November 13, 2008 in Washington, DC. The hearing was focused on 'Oversight of the Emergency Economic Stabilization Act: Examining Financial Institution Use of Funding Under the Capital Purchase Program.'