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When a consumer receives a receipt from a retailer, under law, the complete debit or credit card number cannot be printed on the receipt.
FACTA debit card receipt rules
have been put in place to protect the consumer from identity theft as well as credit card fraud.
What are FACTA Debit Card Receipt Rules?
FACTA, the Fair and Accurate Credit Transactions Act, was passed in 2003 as an amendment to the Fair Credit Reporting Act. FACTA established a precedent for free annual credit reports for the public, however FACTA also governs rules about what can be printed on a receipt.
Businesses have to comply with FACTA debit card receipt rules that include truncation of credit card and debit card numbers.
According to FACTA, businesses may not print more than the last 5 digits of a credit or debit card nor the expiration date of the card.
These FACTA debit card receipt rules apply to point of sale or other transactions. They do not apply to receipts that are imprinted or handwritten.
This provision of FACTA is enforced by statutory damages ranging from $100 to $1000 per violation.
However, even though businesses have now had over a decade to comply with FACTA, not all businesses adhere to the rules when printing receipts.
How Can FACTA Debit Card Receipt Rules be Violated?
If your credit card or debit card number is 1111-2222-3333-4444, there are many ways FACTA debit card receipt rules may be violated:
Example 1: 11** **** **** 4444
Example 2: **** **22 **** 4444
Example 3: **** **** **33 ****
AÂ FACTA violation may occur even if there are fewer than 5 digits printed, if they are not the last 5 digits.
Not only may a merchant not print more than the last 5 digits of a credit or debit card number, a merchant may also not print an expiration date.
For example, if the expiration date of a credit card is May 2018, violations may show up in a variety of ways, including:
Example 1: EXP: 05/18
Example 2: EXP: 05/2018
Example 3: EXP: 052018
Example 4: EXP: 0518
Example 5: Expires: 0518
Example 6: Exp Date: 05/18
Example 7: Exp Date: 05/31/18
Example 8: EXPIRY: 05/18
Example 9: 05/18
Example 10: 0518
Example 11: Exp. Date 05/**
Example 12: EXP. **/18
If a company has willfully found to be in violation of FACTA, damages of up to $1000 per transaction may be assessed. Class action lawsuits have been filed against companies who have been noncompliant under FACTA and settlements have been reached for such actions.
If you’ve made purchases and the retailer printed more than the last 5 digits of your debit or credit card number or expiration date on your receipt, your rights have been violated under FACTA.
Even if you have suffered no harm, you still may be eligible for compensation.  A FACTA attorney can review your case at no charge and can help you understand your legal options.
Free FACTAÂ 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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