Dates on Credit & Debit Card Receipt Law

FACTA Claim / Lawsuit - Dates on Receipt / More Than 5 Digits of Credit Card or Debit Card

The passage of the FACTA, Fair and Accurate Credit Transactions Act in 2003, which amended the Fair Credit Reporting Act (15 USC § 1681 et seq.), required consumer reporting agencies to provide consumers with one free copy of their credit report each year so that errors and corrections could be made and as a protection against the exploding crime of identity theft.

Debit & Credit Card Law Concerning Expiration Date on Credit & Debit Card Receipt

Many lawsuits have been filed regarding merchants printing more than five digits of customers' credit / debit card numbers and/or including the expiration date of the credit card on the receipt. Under FACTA it is a violation to include the expiration date on the credit card receipt or more than Five (5) digits of the

Date on Credit Card Receipt Violations

Talk to a Lawyer / Attorney if have a FACTA Lawsuit or Claim under FACTA if you have a receipt that contains more than Five (5) digits or Five (5) numbers of your debit or credit card or if the credit receipt has the expiration date of your credit or debit card on the receipt. You may have a claim. Call for a Free Confidential Consultation at 1-800-883-9858

Federal Law Concerning Expiration Dates on Debit / Credit Card Receipts

Section 1681c(g) of FACTA prohibits businesses that accept credit or debit cards from including "more than the last Five (5) digits of the card number or the expiration date" on electronically printed receipts provided to the customer at the point of sale or transaction. The lawsuits allege that each electronically printed receipt containing more than the last five digits of a credit or debit card number or a card's expiration date violates Art.1681c(g). The suits specifically allege willful noncompliance (15 U.S.C. Art. 1681n) for the claimed violations and seek statutory damages of $100 (minimum) to $1,000 (maximum) for each violation alleged, plus punitive damages and attorneys's fees. Typically in these cases, the defendant retailer had complied with the first provision of the statute by reducing the number of printed digits to five or less. Most of these target retailers failed, however, to "mask" the card's expiration date. Moreover, and as permitted under a literal reading of the statutory scheme, the plaintiffs in these cases concede they sustained no actual injury or harm.

Damages / Penalties Regarding Merchants Printing Expiration Dates on Debit or Credit Card Receipts

Thus, a noncomplying retailer may be subject to an award of statutory damages ranging from $100 to $1000. Notably, the Fair Credit Reporting Act (FACTA)does not cap the aggregate of statutory damages that can be awarded in a consumer class action.

Date on Debit / Credit Card Receipt Lawsuit - Talk to a Lawyer / Attorney

Talk to a Lawyer / Attorney if have a FACTA Lawsuit or Claim under FACTA if you have a receipt that contains more than Five (5) digits or Five (5) numbers on your debit / credit card or if the debit credit receipt has the expiration date of your credit card on the receipt. Call for a Free Confidential Consultation at 1-800-883-9858