CONSUMER CLAIMS AND DEFENSES United States. Congress. House. Committee COMMERCE Subcommittee on Consumer Protection And HEARINGS BEFORE THE SUBCOMMITTEE ON CONSUMER PROTECTION OF THE COMMITTEE ON INTERSTATE AND FOREIGN COMMERCE SECOND SESSION ON A RECENTLY ENACTED FEDERAL TRADE COMMISSION COMMITTEE ON INTERSTATE AND FOREIGN COMMERCE HARLEY O. STAGGERS, West Virginia, Chairman JOHN E. MOSS, California W. S. (BILL) STUCKEY, JR., Georgia RICHARDSON PREYER, North Carolina WILLIAM M. BRODHEAD, Michigan ANTHONY TOBY MOFFETT, Connecticut ANDREW MAGUIRE, New Jersey MARTIN A. RUSSO, Illinois SAMUEL L. DEVINE, Ohio JAMES T. BROYHILL, North Carolina 7mr77 BC12 9 Mr77 KF27 Annunzio, Hon. Frank, a Representative in Congress from the State of Brennan, J. William, assistant Washington counsel, U.S. League of Broyhill, James T., a Representative in Congress from the State of DeLong, James V., Acting Director, Special Projects, Federal Trade DeVol, David E., on behalf of the National Savings & Loan League. Goldberg, James M., counsel, on behalf of the National Retail Hard- ware Association, Photo Marketing Association, Retail Jewelers of America, and Western Home Furnishings Association... Harper, Michael C., attorney, Washington, D.C... Hobbs, Robert J., staff attorney, National Consumer Law Center, Inc. Johnson, Hon. Albert W., a Representative in Congress from the State Maddox, Charles O., Jr., president, Independent Bankers Association Moore, Hon. Henson, a Representative in Congress from the State of 3 71, 81 10 Rubin, Erik, Assistant Director, Bureau of Consumer Protection, Smith, Margery Waxman, Acting Director, Bureau of Consumer Pro- tection, Federal Trade Commission.. Tidwell, Drew V., legislative representative, Consumer Bankers Tobey, Robert E., on behalf of the Consumer Bankers Association__ Trimble, Burleigh, on behalf of U.S. League of Savings Associations__ Tullis, Ron R., assistant legislative counsel, American Bankers Vaughan, Walter W., Vice Chairman, Installment Lending Division, Williams, Harding, general counsel, National Savings & Loan League__ Zweibel, George J., consumer specialist, Neighborhood Legal Services 56 Butler, Leslie R., senior vice presidnet, First Pennsylvania Bank, and also representing the Consumer Bankers Association before the Federal Trade Commission-1971____ Consumer Bankers Association, Drew V. Tidwell, legislative representative, letter dated, May 25, 1976, to Christopher W. Keller, presiding officer, Bureau of Consumer Protection, First Pennsylvania Bank, Leslie R. Butler, senior vice president, |