House Banking Committee Chairman Henry B. Gonzalez was keynote speaker last week at a community reinvestment conference in his home town of San Antonio, Texas, hosted by the Federal Home Loan Bank of Dallas. Here are excerpts from his address:

Like the ancient Gaul of Caesar's "Commentaries," San Antonio has always been divided into three economic and racial parts. When the city received its first municipal charter in 1837 -- the year following the Texas-American War -- the city's first mayor was not named Garcia or Sanchez or Gonzalez.

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