United States AMENDMENTS TO THE 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 FIRST CONGRESS SECOND SESSION JUNE 12, 1990 Printed for the use of the Committee on Banking, Finance and Urban Affairs Serial No. 101-132 31-313 U.S. GOVERNMENT PRINTING OFFICE WASHINGTON: 1990 For sale by the Superintendent of Documents, Congressional Sales Office HOUSE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS HENRY B. GONZALEZ, Texas, Chairman FRANK ANNUNZIO, Illinois WALTER E. FAUNTROY, District of Columbia STEPHEN L. NEAL, North Carolina BEN ERDREICH, Alabama THOMAS R. CARPER, Delaware ESTEBAN EDWARD TORRES, California BILL NELSON, Florida PAUL E. KANJORSKI Pennsylvania CHALMERS P. WYLIE, Ohio JIM LEACH, Iowa NORMAN D. SHUMWAY, California STAN PARRIS, Virginia BILL MCCOLLUM, Florida MARGE ROUKEMA, New Jersey DOUG BEREUTER, Nebraska DAVID DREIER, California JOHN HILER, Indiana THOMAS J. RIDGE, Pennsylvania STEVE BARTLETT, Texas TOBY ROTH, Wisconsin ALFRED A. (AL) MCCANDLESS, California JIM SAXTON, New Jersey PATRICIA F. SAIKI, Hawaii JIM BUNNING, Kentucky RICHARD H. BAKER, Louisiana CLIFF STEARNS, Florida KF21 B536 1990 d SUBCOMMITTEE ON CONSUMER AFFAIRS AND COINAGE Bloom, William, vice president credit sales and services, Saks Fifth Avenue, on behalf of the National Retail Federation....... Goldman, Janlori, staff attorney, Privacy Project, American Civil Liberties Guiton, Bonnie, special advisor to the president on Consumer Affairs, accom- Heuer, Alan J., sector executive, Marine Midland Bank, on behalf of the 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, Federal Trade Commission......... Rinaldo, Hon. Matthew J., a Representative in Congress from the State of ADDITIONAL MATERIAL SUBMITTED FOR THE RECORD |