Statement before the Subcommittee on Antitrust and Monopoly of the Committee on the Judiciary of the U.S. Senate, December 11, 1968.
I perceive my function as being primarily one of offering a few observations as to the impact that computers and related technologies will have on the ways in which credit bureaus will function in the future and the form that industry may take a decade or two from now. I assume that one of the basic concerns of the Subcommittee is the possible effects these transformations of the credit bureau industry may have on competition. Thus, with apologies for my limited appreciation of antitrust law and policy, I will try to suggest ways in which a computer-based credit bureau industry may raise serious questions under existing principles and philosophies of competition.
Arthur R. Miller,
Impact of Computers on Credit Bureaus,
Law Quadrangle (formerly Law Quad Notes)
Available at: https://repository.law.umich.edu/lqnotes/vol13/iss1/3