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INACCURATE AND UNFAIR BILLING PRACTICES

HEARINGS

BEFORE THE

SUBCOMMITTEE ON CONSUMER CREDIT.
United States. Congress

, OF THE
Senate.

COMMITTEE ON
BANKING, HOUSING AND URBAN AFFAIRS.

UNITED STATES SENATE

NINETY-THIRD CONGRESS

FIRST SESSION

ON

S. 1630 and S. 914
TO AMEND THE TRUTH IN LENDING ACT TO PROTECT
CONSUMERS AGAINST INACCURATE AND UNFAIR BILL-

ING PRACTICES, AND FOR OTHER PURPOSES

MAY 21, 22, 23, AND 24, 1973

Printed for the use of the Committee on Banking, Housing

and Urban Affairs

U.S. GOVERNMENT. PRINTING OFFICE

06-487 O

WASHINGTON : 1978

[blocks in formation]

COMMITTEE ON BANKING, HOUSING AND URBAN AFFAIRS

JOHN SPARKMAN, Alabama, Chairman WILLIAM PROXMIRE, Wisconsin

JOHN TOWER, Texas HARRISON A. WILLIAMS, JR., New Jersey WALLACE F. BENNETT, Utah THOMAS J. MCINTYRE, New Hampshire EDWARD W. BROOKE, Massachusetts ALAN CRANSTON, California

BOB PACKWOOD, Oregon
ADLAI E. STEVENSON III, Illinois

BILL BROCK, Tennessee
J. BENNETT JOHNSTON, JR., Louisiana ROBERT TAFT, JR., Ohio
WILLIAM D. HATHAWAY, Maine

LOWELL P. WEICKER, JR., Connecticut JOSEPH R. BIDEN, JR., Delaware

DUDLEY L. O'NEAL, Jr., Staj Director and General Counsel

MICHAEL E. BURNS, Minority Counsel

SUBCOMMITTEE ON CONSUMER CREDIT

WILLIAM PROXMIRE, Wisconsin, Chairman
JOHN SPARKMAN, Alabama

BILL BROCK, Tennessee
J. BENNETT JOHNSTON, JR., Louisiana WALLACE F. BENNETT, Utah
WILLIAM D. HATHAWAY, Malne

EDWARD W. BROOKE, Massachusetts
KENNETH A. MCLEAN, Professional Staj Member

(II)

MDW/ 2100 73

CONTENTS

Page

29

3

MONDAY, MAY 21

Ms. Betty Furness, commissioner, New York City Department of Con-

sumer Affairs

56

Dr. Lewis Mandell, University of Michigan,

63

Professor John Weistart, professor of law, Duke University...

78

TUESDAY, May 22

Lewis A. Engman, Chairman, Federal Trade Commission...

89

Ms. Gladys Kessler, Consumer Federation of America; accompanied by

Stuart Bluestone

124

Fairfax Leary, Jr., Visiting professor of law, University of Pennsylvania;

accompanied by: Ms. Nina Segre..

137

Mark Silbergeld, attorney, Consumer Union, Washington Office..

162

WEDNESDAY, MAY 23

George A. Buchanan, representing Air Transport Association of America;

accompanied by Jerome F. Huisentruit, assistant general counsel, Air

Transport Association, and counsel for the Universal Air Travel Plan... 175

Robert B. Norris, general counsel, National Consumer Finance Associa-

tion..

187

S. Lees Booth, senior vice president, National Consumer Finance Associa-

tion.

187

Kenneth V. Larkin, American Bankers Association.

201

Robert B. Doyle, first vice president, Consumer Bankers Association.

201

John J. Reynolds, Interbank Card Association.

201

D. W. Hock, president National Bank Americard, Inc.-

201

Matthew Hale, chief counsel, American Bankers Association...

201

THURSDAY, May 24

William C. Dunkelberg, Stanford University; and Ray McAlister, North

Texas State University--

263

Arthur M. Wood, chairman of the board, Sears, Roebuck & Co.; accompanied

by: Lloyd S. McClelland, secretary and general counsel; and H.R. Lively,

member of the General Credit Office...

330

Eugene Keeney, American Retail Federation...

347, 351

Michael Zoroya, National Retail Merchants Association.--

347, 377

Lawrence Nathan, Menswear Retailers of America -

347, 387

Leonard O. Gay, National Home Furnishing Association.-

347, 369

Joseph N. Hanley, Maine Merchants Association....

347, 348

Ms. Laura Sternkopf, Delaware Retail Association..

347, 359 .

(III)

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