The Federal Reserve Board conducted the following hearings to gather information on the home equity credit market. These hearings were held in accordance with the requirements of the Home Ownership and Equity Protection Act of 1994 (HOEPA).

The transcripts are presented by morning and afternoon sessions as well as in their entirety.

• September 7, 2000--Federal Reserve Bank of San Francisco, San Francisco, Calif.

• August 16, 2000--Federal Reserve Bank of Chicago, Chicago, Ill.

• August 4, 2000--Federal Reserve Bank of Boston, Boston, Mass.

• July 27, 2000--Federal Reserve Bank of Richmond, Charlotte Branch, Charlotte, N.C.