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Fisher", "Professor of Law", "Seton Hall University School of Law", "SETON HALL UNIVERSITY SCHOOL OF LAW", ""], [48407, "CHRG-111hhrg63124", "Phyllis Caldwell", "Chief", "Homeownership Preservation Office, U.S. Department of the Treasury", "HOMEOWNERSHIP PRESERVATION OFFICE, U.S. DEPARTMENT OF THE TREASURY", ""], [48406, "CHRG-111hhrg63124", "R.K. Arnold", "President and CEO", "Mortgage Electronic Registration Systems, Inc. (MERS)", "MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. 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