Hilary B. Miller

Hilary B. Miller is a Connecticut-based corporate attorney and the Treasurer of the Consumer Credit Research Foundation, a pro-payday lending group.

A biographical note states that Miller specializes in corporate law, intellectual property, family law, and consumer financial services law. He is also the President of the Payday Loan Bar Association.

Payday Advocacy
In September 2006 Miller appeared before the U.S. Senate Committee on Banking, Housing and Urban Affairs in his role as both president of the Payday Loan Bar Association and "an expert in subprime lending, and I appear on behalf of the payday advance industry's national trade association, the Community Financial Services Association of America (CFSA)."

"CFSA, he explained to committee members, "represents owners of approximately half of the estimated 22,000 payday-advance retail outlets in the United States."

In his testimony, Miller included a footnote in which he cited a Consumer Credit Research Foundation report as evidence that a Department of Defence report on payday lending was inaccurate. "The author of the DoD Report insists that his own data must be incorrect because such data are is inconsistent with a study by the Consumer Credit Research Foundation (fn. 18, supra) that found the incidence of payday-loan use by enlisted military personnel at 13%. But the Foundation only surveyed personnel who live on and in the immediate vicinity of military bases in the continental United States; if deployed and otherwise stationed personnel — who generally will not have access to payday loans at retail locations — were included in the denominator, the result would likely be much lower and consistent with the DoD Report’s 5% figure," Miller wrote.