Donald L. Badders, Director, State Government Relations, TRW, Inc.,
Washington, D.C.; accompanied by John E. Davis, counsel, TRW

Electronics.

Robert B. Evans, vice president and general Counsel, American Finance
Management Corp.; accompanied by Robert Norris, general counsel,
National Consumer Finance Association..

ADDITIONAL STATEMENTS AND DATA

American Insurance Association, statement received from George M.
Mulligan

Page

643

665

681

American Life Insurance Association, R. Otto Meletzke, assistant general counsel, letter to Senator Garn in answer to series of questions received at hearing

American Mutual Insurance Alliance, letter received from John Stringer,
counsel

American Petroleum Credit Association, letter received from J. P. Ward,
Jr., president

American Pyschiatric Association, excerpt from a report of the 1974 Con-
ference on Confidentiality of Health Records, by Natalie Davis Spingarn
American Psychoanalytic Association, letter from Jerome S. Beigler,
chairman, joint ad hoc committee on confidentiality
American Retail Federation, Michael Zoroya, letters to:
Senator Biden.

592

687

691

714

696

578

Senator Garn.

580

American Society for Industrial Security, letter from Dennis A. Chesshir, president

769

Associated Credit Bureaus:

Analysis of credit bureau complaints.

125

Estimated number of reports regulated by Fair Credit Reporting
Act issued since April 1971..

131

Letter from John L. Spafford, President_
One-time cost of notice to each consumer.

131

131

Bank of California, letter to Senator Biden from Dick Selberg, President_
Commercial Services Inc., Guy L. Holloway, president:

986

Letter to Senator Biden with enclosed interview handling analyses..
Letter to Senator Garn....

505

158

Computer Medicine, reprint of special report titled "The MIB: How a
Once 'Secret' Service Really Operates," by Arthur E. Brown
Council for the Advancement of Psychoanalytic Education, letter from
Don T. Mosher, chairman, CAPE Committee on Confidentiality ... ... ... ... -
Credit Bureau of Nashua, N.H., copy of form letter mailed to consumers
and of legal opinion in New Hampshire Superior Court
Emory Law School, Journal of Public Law, reprint of article titled "The
Fair Credit Reporting Act: A Legislative Overview," by Robert M.
McNamara, Jr.

709

698

531

929

Federal Trade Commission, seven orders entered under the Federal Credit
Reporting Act__.

30

715

FIDÉLIFACTS, Metropolitan New York, Inc., memorandum from
Thomas W. Norton, president...

Foer, Albert A., attorney:

Additional material accompanying prepared statement:
Judicial interpretations of the FCRA.

On the consumption of consumer reports: A guide to the investi-
gating lawyer.

44

54

Letters to Senator Biden responding to subsequent written questions. 69, 80 Guarantee Mutual Life Co., letter to Senator Hruska from Parker L. Shipley, associate general counsel..

Gutman, Jeremiah S., letter to Senator Biden with comments on proposed
amendments.

Hastings Constitutional Law Quarterly, reprint of article titled "Constitu-
tional Right of Privacy and Investigative Consumer Reports: Little
Brother Is Watching You", by Marsha Morrow McLaughlin and
Suzanne Vaupel..

Hooper-Holmes Bureau, Inc., letter received from Dudley S. North,
president...

732

983

776

734

Houston Law Review, article titled "Fair Credit Reporting Act: Constitu-
tional Defects of the Limitation of Liability Clause", by Robert M.
Hardy

International Consumer Credit Association, letter-statement from James A.
Ambrose, secretary-treasurer.

Knawer, Virginia H., Special Assistant to the President for Consumer
Affairs, letter and statement received by Senator Biden...
Medical Information Bureau:

Page

893

738

623

Letter from William B. Swarts, III, associate counsel, enclosing sam-
ple disclosure form..

National Association of Independent Insurers, letter to Senator Garn
from John J. Nangle in response to subsequent questions..
National Association of Life Companies, statement received for the record.
National Association of Manufacturers, letter from Paul R. Huard, associ-
ate general counsel..

National Retail Merchants Association, letters to Senators Biden and
Garn, from Robert S. Gross, board of directors, Credit Management
Division....

New England Mutual Life Insurance Co., notice to applicants advising
of routine investigation..
New Hampshire, letter with proposed amendments from Richard V.
Wiebusch, assistant attorney general. Consumer Protection Division.__
New York Stock Exchange, memorandum regarding fingerprinting of
individuals employed within New York State by members..
Newsweek, reprint of article titled "Corporate Life: Butting Out".
North Carolina Law Review, article titled "The Impact of the Fair Credit
Reporting Act," by George S. King, Jr.

Northwestern Mutual Life Insurance Co., letter and statement from
Francis E. Ferguson, president_ .

Psychiatric News, reprinted article by Alexander Butterfield, Jr., titled
Data Banks and Privacy Discussed by Data-Keepers”-

638

640

636

605

969

749

561

704

979

751

626

907

964

101

89

711

Privacy Journal:

Reprints of articles from recent monthly publications.
Statement of Robert Ellis Smith, publisher.

Research Associates Inc., letter and position paper on S. 1840 received from Robert M. Peterson:

Exhibit I-Copy of letter of the American Society of Industrial Secu-
rity (ASIS) in opposition to S. 1840_

768

Retail Credit Co.:

Additional comments on S. 1840.

250

Appendix A to statement of W. Lee Burge, October 23, 1975.
Exchange of correspondence with Susan B. Young.

169

111

Automobile insurance reports of Susan B. Young.

114

Letter to Senator Biden from W. Lee Burge enclosing copy of supple-
mentary statement _ _ _ _

Letter to field executives, managers, and sales personnel, from A. Lee
Lester, attorney

189

204

Letter to Senator Garn enclosing responses to written questions –
Supplementary statement received December 11, 1975.

205

207

Annex A.-Introducing new income protection services.
Annex B.-Indirect approach investigations

265

278

Annex C.-Public record information for employment purposes..
Annex D.-Procedures for processing privileged medical infor-

281

mation

284

Annex E.-Article from Washington Post titled "College Entrance
Problem"

289

Annex F.-The facts about EQUIFAX
Annex G.-Welcome to EQUIFAX.

290

294

Annex H.-Sample confidential life or health report forms.

T OF SENATOR BIDEN

come to order, please.

that the reason why other memt dispute in the Senate: one Senaequested that the rule that no comin legislative session be enforced. animous consent: otherwise, we re in the Senate, but technically is applied to the Banking Comthat the Banking Committee York City.

ee that this subcommittee will ity and I hope that allays the my colleagues who are fearat we are in a way traveling ere's no sanction other than be responsible for the tranw as telling you all that I

to open these hearings by mittee who sponsors the ings this morning for his

subjective point of view which is merely being on. is going to be the 1 in the next 15 years. rotection of the right on which is even more Is. than any such inal area. I'm hopeful