Verizon has installed fibre ("FIOS") in my area. However, they have told me different things:
Only subscribers who sign up for FIOS will get fibre to their front door. It is rather expensive to run the fibre and terminal box (actually the terminal box is pricey) to your front door. The old phone loop won't go anywhere.
They stressed this is not a regulated service. As such, they can charge as they wish and run it as they wish. HOWEVER, anyone else can run fibre just as they did. The cable company -- while it was still a small outfit -- obviously was able to run fibre, so the field is open to others.
They also need permission to run these lines, they don't have the automatic ROW of a standard utility. While my _area_ overall has FIOS, many specific sections do not have FIOS because permission was not granted by the appropriate parties.
I also want to point out that this magical "competition" is no guarantee of lower prices. There are a number of cellular phone providers, but oddly enough, they all charge about the same and all seem to be making very good money. That is, competition does NOT automatically force down prices or improve service. Remember that technology is better than ever and their costs should be lower than the past. Economics include a multitude of factors, one of which is demand.
In other words, right now many of us have a choice between phone company DSL and cable company broadband. It just so happens that prices of those are about the same. If a third provider showed up, do you really think prices would go down? Not likely as long as demand remained high.
As mentioned, anyone else can come in and run fibre and provide this service if they wanted to.