COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS ONE HUNDRED FIRST CONGRESS SECOND SESSION JUNE 12, 1990 Printed for the use of the Committee on Banking, Finance and Urban Affairs Serial No. 101-132 linited Staład AMENDMENTS TO THE FAIR CREDIT REPORTING ACT HEARING BEFORE THE SUBCOMMITTEE ON OF THE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS ONE HUNDRED FIRST CONGRESS SECOND SESSION JUNE 12, 1990 Printed for the use of the Committee on Banking, Finance and Urban Affairs Serial No. 101-132 U.S. GOVERNMENT PRINTING OFFICE 31-3135 WASHINGTON : 1990 For sale by the Superintendent of Documents, Congressional Sales Office U.S. Government Printing Office, Washington, DC 20402 HOUSE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS HENRY B. GONZALEZ, Texas, Chairman FRANK ANNUNZIO, Illinois CHALMERS P. WYLIE, Ohio WALTER E. FAUNTROY, District of JIM LEACH, Iowa Columbia NORMAN D. SHUMWAY, California STEPHEN L. NEAL, North Carolina STAN PARRIS, Virginia CARROLL HUBBARD, Jr., Kentucky BILL McCOLLUM, Florida JOHN J. LAFALCE, New York MARGE ROUKEMA, New Jersey MARY ROSE OAKAR, Ohio DOUG BEREUTER, Nebraska BRUCE F. VENTO, Minnesota DAVID DREIER, California DOUG BARNARD, JR., Georgia JOHN HILER, Indiana CHARLES E. SCHUMER, New York THOMAS J. RIDGE, Pennsylvania BARNEY FRANK, Massachusetts STEVE BARTLETT, Texas RICHARD H. LEHMAN, California TOBY ROTH, Wisconsin BRUCE A. MORRISON, Connecticut ALFRED A. (AL) McCANDLESS, California MARCY KAPTUR, Ohio JIM SAXTON, New Jersey BEN ERDREICH, Alabama PATRICIA F. SAIKI, Hawaii THOMAS R. CARPER, Delaware JIM BUNNING, Kentucky ESTEBAN EDWARD TORRES, California RICHARD H. BAKER, Louisiana GERALD D. KLECZKA Wisconsin CLIFF STEARNS, Florida BILL NELSON, Florida PAUL E. GILLMOR, Ohio BILL PAXON, New York Kla 1990 d SUBCOMMITTEE ON CONSUMER AFFAIRS AND COINAGE RICHARD H. LEHMAN, California, Chairman HENRY B. GONZALEZ, Texas JOHN HILER, Indiana NANCY PELOSI, California CHALMERS P. WYLIE, Ohio CARROLL HUBBARD, JR., Kentucky THOMAS J. RIDGE, Pennsylvania DOUG BARNARD, JR., Georgia DAVID DREIER, California CHARLES E. SCHUMER, New York STEVE BARTLETT, Texas JIM SAXTON, New Jersey 40 8 Bloom, William, vice president credit sales and services, Saks Fifth Avenue, on behalf of the National Retail Federation..... Guiton, Bonnie, special advisor to the president on Consumer Affairs, accom- panied by Patricia Faley, director of Industry Relations, Officer of Con- Heuer, Alan J., sector executive, Marine Midland Bank, on behalf of the Consumer Bankers Association and the American Bankers Association Hoerr, Kenneth E., chairman and chief executive officer, USA Financial Services Inc., on behalf of the American Financial Services Association ..... Holstein, Elgie, director, Bankcard Holders of America .... Kurth, Walter R., president, Associated Credit Bureaus, Inc., accompanied by John Baker, senior vice president, Equifax, Inc., Edward A. Barbieri, vice president and general manager, TRW Credit Data, and Oscar Marquis, vice president and general counsel, Trans Union Corporation Meier, Michelle, counsel for governmental affairs, Consumers Union Mierzwinski, Ed, consumer lobbyist, U.S. PIRG Noonan, Jean, associate director for credit practices, Federal Trade Commis- sion, accompanied by Kathleen V. Buffon, Division of Credit Practices, Rinaldo, Hon. Matthew J., a Representative in Congress from the State of Mierzwinski, Ed ADDITIONAL MATERIAL SUBMITTED FOR THE RECORD |
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