Credit Card Receipts and FACTA Violations

Under the Fair and Accurate Credit Transactions Act (FACTA) of 2003, consumers are offered protection of their personal credit and debit card information on customer receipts.

Printing out full account numbers and expiration dates on credit or debit card receipts issued to the customer are prime ways identity thieves can do what they do best. FACTA states that account numbers must be truncated on cardholder receipts. Merchants are only allowed to include the last five numbers maximum on customer credit card receipts. This is how a FACTA compliant receipt should look::

Example 4: Acct. #: **********12345

The expiration date cannot be printed on the card holder’s receipt at all. It must be left off of the receipt entirely, or it can appear with asterisks like below:

Exp: **/**

It is important to note that this law does not apply to handwritten or imprinted receipts, only electronically printed customer receipts.

For every receipt in violation of FACTA, a business could face stiff penalties. For a high volume business that generates hundreds, or thousands, of receipts an hour, it could be a massive penalty. Each willful violation carries a penalty of between $100 and $1,000 for each transaction completed.

FACTA Compliance Lawsuit Information

If you have received a customer copy of a credit card or debit card receipt that lists more than the last five digits of your credit or debit account, or lists any part of your expiration date, you may have a legal claim. An experienced attorney can review your case at no cost or obligation to you.

Free FACTA Class Action Lawsuit Investigation

If you made one or more purchases and the retailer provided you with a receipt that contained more than the last five digits of your credit or debit card number or the expiration date, you may be eligible for a free class action lawsuit investigation and to pursue compensation for these FACTA violations.

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