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United States..

FAIR CREDIT REPORTING ACT

HEARING

BEFORE THE

SUBCOMMITTEE ON
CONSUMER AFFAIRS AND COINAGE

OF THE

COMMITTEE ON BANKING, FINANCE AND

URBAN AFFAIRS
HOUSE OF REPRESENTATIVES

ONE HUNDRED SECOND CONGRESS

FIRST SESSION

JUNE 6, 1991

Printed for the use of the Committee on Banking, Finance and Urban Affairs

Serial No. 102-45

U.S. GOVERNMENT PRINTING OFFICE

43-6594

WASHINGTON : 1991

For sale by the U.S. Government Printing Office
Superintendent of Documents, Congressional Sales Office, Washington, DC 20402

ISBN 0-16-035685-7

KF27
B536

1991e

HOUSE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS

HENRY B. GONZALEZ, Texas, Chairman FRANK ANNUNZIO, Illinois

CHALMERS P. WYLIE, Ohio STEPHEN L. NEAL, North Carolina

JIM LEACH, Iowa CARROLL HUBBARD, JR., Kentucky

BILL MOCOLLUM, Florida JOHN J. LAFALCE, New York

MARGE ROUKEMA, New Jersey MARY ROSE OAKAR, Ohio

DOUG BEREUTER, Nebraska BRUCE F. VENTO, Minnesota

THOMAS J. RIDGE, Pennsylvania DOUG BARNARD, JR., Georgia

TOBY ROTH, Wisconsin CHARLES E. SCHUMER, New York

ALFRED A. (AL) MOCANDLESS, California BARNEY FRANK, Massachusetts

RICHARD H. BAKER, Louisiana BEN ERDREICH, Alabama

CLIFF STEARNS, Florida THOMAS R. CARPER, Delaware

PAUL E. GILLMOR, Ohio ESTEBAN EDWARD TORRES, California BILL PAXON, New York GERALD D. KLECZKA, Wisconsin

JOHN J. DUNCAN, JR., Tennessee PAUL E. KANJORSKI, Pennsylvania

TOM CAMPBELL, California ELIZABETH J. PATTERSON, South Carolina MEL HANCOCK, Missouri JOSEPH P. KENNEDY II, Massachusetts FRANK D. RIGGS, California FLOYD H. FLAKE, New York

JIM NUSSLE, Iowa KWEISI MFUME, Maryland

RICHARD K. ARMEY, Texas PETER HOAGLAND, Nebraska

CRAIG THOMAS, Wyoming
RICHARD E. NEAL, Massachusetts

SAM JOHNSON, Texas
CHARLES J. LUKEN, Ohio
MAXINE WATERS, California

BERNARD SANDERS, Vermont
LARRY LAROCCO, Idaho
BILL ORTON, Utah
JIM BACCHUS, Florida
JAMES P. MORAN, Virginia
JOHN W. COX, JR., Illinois
TED WEISS, New York
JIM SLATTERY, Kansas
GARY L. ACKERMAN, New York

SUBCOMMITTEE ON CONSUMER AFFAIRS AND COINAGE

ESTEBAN EDWARD TORRES, California, Chairman HENRY B. GONZALEZ, Texas

MOCANDLESS, ALFRED A. California CARROLL HUBBARD, JR., Kentucky

CHALMERS P. WYLIE, Ohio DOUG BARNARD, JR., Georgia

RICHARD BAKER, Louisiana BEN ERDREICH, Alabama

FRANK D. RIGGS, California FRANK ANNUNZIO, Illinois

RICHARD ARMEY, Texas
MAXINE WATERS, California

CRAIG THOMAS, Wyoming
LARRY LARocco, Idaho
TED WEIS New York

BERNARD SANDERS, Vermont

92-600141
24517695

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THURSDAY, JUNE 6, 1991

Lehman, Hon. Richard H., a Representative in Congress from the State of

California.

Rinaldo, Hon. Matthew J., a Representative in Congress from the State of

New Jersey

Schumer, Hon. Charles E., a Representative in Congress from the State of

New York.......

Shaw, E. Clay, Jr., a Representative in Congress from the State of Florida........

Baker, John, Vice President, EQUIFAX

Culnan, Dr. Mary J., Georgetown University, School of Business Administra-

tion.

Evans, Gregory N...

Guimond, Mark

Holstein, Elgie,

Director, Bank Card Holders of America.

Kurth. Walter R., President, Associated Credit Bureaus, Inc..

Marquis, Oscar, Vice President and General Manager, Trans Union Corp.

Meier, Michelle, Counsel for Government Affairs, Consumers Union ...

Mierzwinski, Ed., U.S. Consumer Advocate, U.S. PIRG..

Noonan, Jean, Associate Director for Credit Practices, Federal Trade Commis-

sion; accompanied by Kathleen Buffon, Assistant Credit Director for Credit

Practices, Federal Trade Commission.

Owens, R. Harold, President and Chief Executive Officer, Security Pacific

Financial Services, Inc., and American Financial Services Association.
Rotenberg, Marc, Director, Washington Office, Computer Professionals for

Social Responsibility.
Spurgin, Ralph E., President and Chief Executive Officer, Limited Credit

Services, Inc., National Retail Federation

Sweet, Maxine, Vice President, Consumers Affairs, TRW, Inc.......

Wallace, Ann, Director, U.S. Office of Consumers Affairs; accompanied by

Clayton Fong, Deputy Director; and Patricia Faley, Director of Consumer

and Industry Relations at the U.S. Office of Consumer Affairs .

Wesner, Patricia A., Senior Vice President, First Wisconsin National Bank,

Consumer Bankers Association/Americans Bankers Association

Wiggins, James Russell, Jr.

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