Can You File a FACTA Credit Card Receipt Lawsuit?

There are a series of credit and debit card receipt rules, known as FACTA, that are in place to protect your account and your identity from potential fraud or theft.

You may be able to file a credit card receipt lawsuit if you find FACTA violations at the bottom of your receipt. If your printed receipt shows more than the last five digits of your debit or credit card number, or any portion of the expiration date, you may qualify for compensation—even if no direct harm, like identity theft or fraud, has yet occurred.

When a business violates FACTA rules, it not only endangers your own information, but indicates that hundreds or even thousands of other customers have been affected and put at risk by the same violations. Reporting a violation of FACTA or filing a credit card receipt lawsuit can help protect countless future customers from the sometimes severe problems that go along with revealing too much account information.

What is FACTA?

FACTA’s full name is the Fair and Accurate Credit Transactions Act, which seeks to protect the information that goes on your credit and debit card receipts. FACTA was passed back in 2003, and has been in full force since 2006. (Businesses were given a three-year grace period to acquire the machine capabilities to follow the new FACTA rules.)

FACTA limits the information that may be printed on receipts, which can help prevent potential criminals from gaining the kind of information that can lead to identity theft or fraud. The best way to deal with these problems is to prevent them from happening in the first place, and FACTA protections are an important aspect of that.

FACTA protections are strengthened when consumers are aware of the rules and therefore able to help regulate them, checking receipts for compliance. Whenever you get a printed receipt, check to make sure the business has followed the rules set forth in FACTA. Filing a FACTA credit card receipt lawsuit may make you eligible for compensation.

FACTA Rules & Regulations

FACTA rules require that businesses follow specific requirements to properly truncate (shorten) the credit card information printed on customers’ receipts, effectively censoring it. If these receipt rules are not followed, businesses have committed a FACTA violation that may be penalized.

Fortunately, it is easy to spot these kinds of FACTA violations.

Under FACTA, no more than the last five digits of a card number can be printed on receipts, the rest censored. Digits cannot be displayed from elsewhere in the number, even if five or fewer are included. On top of card number truncation rules, no part of a card’s expiration date can be included on a receipt.

FACTA Examples: What’s Right and What’s Wrong

This credit card number display follows FACTA:

**** **** ***5 4321

But this does not:

**** **** **65 4321

Nor does this:

1234 5*** **** ****

Many companies choose to display only the last four digits of a card number to ensure FACTA compliance, since numbers are already split into groups of four digits, like this:

**** **** **** 4321

The expiration date should be completely censored, like this:

**/**

or

**/****

Filing a Credit Card Receipt Lawsuit

Proving that a business violated FACTA protections is fairly simple. Take note of whether or not your receipts follow receipt rules for both card numbers and expiration dates. If they do not, then you may file a FACTA credit card receipt lawsuit against the business responsible for the violation.

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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