The Fair and Accurate Transactions Act, or FACTA, regulates what debit and credit card information can be printed on your receipts. Each time you get a receipt, check to make sure it properly follows FACTA truncation rules. If not, you may be able to report the issue or even file a lawsuit, which can help both you and other customers.
FACTA Basics
The Fair and Accurate Credit Transactions Act was enacted to help protect consumers from fraud and identity theft by limiting what personal card information can be printed on receipts. The credit and debit card receipt rules outlined by FACTA were first passed in 2003 and have been in full force since 2006. Though it has been over a decade, many consumers still do not actually know the basics of FACTA rules and are therefore unsure how to recognize and report FACTA truncation violations.
Once you know the rules of FACTA regulations, spotting violations is easy—but even something this simple can help protect your credit card information and potentially the information of hundreds of other customers. FACTA receipt rules are strengthened when consumers are aware and able to help regulate them.
Consumers who report violations of FACTA’s debit card receipt rules may be eligible for some financial award in compensation even if their accounts have not been directly impacted.
Rules of FACTA Truncation
FACTA receipt rules require that companies obey a set of specific requirements to censor the credit card information that gets printed onto customers’ paper receipts. If receipts do not accurately follow FACTA truncation regulations, the business responsible may be hit with substantial penalties per individual violation.
FACTA credit card receipt rules require that no more than the last five digits of a credit card number cam be printed on a receipt. The rest of the digits cannot be displayed. Five digits or fewer taken from elsewhere in the card number may not be displayed; only the last five digits are permissible to appear on a receipt. For example, this follows FACTA truncation guidelines:
**** **** ***5 4321
Displaying fewer than five digits is acceptable according to FACTA truncation, provided those numbers are found in the last five digits of a card’s number. For instance, since cards consist of four-digit segments, many companies choose to display only the last four digits of a card number to ensure FACTA compliance, like so:
**** **** **** 4321
FACTA truncation rules totally disallow companies from printing any part of a credit or debit card’s expiration date.
Filing a FACTA Lawsuit
Under FACTA, consumers may be granted an award of up to $1,000 per violation of FACTA truncation rules. This award is offered in relation to the FACTA violation itself and does not actually require actually having been affected by identity theft or other problem.
Proving that a business violated FACTA truncation rules is a fairly simple process. When you get a receipt, check the bottom to make sure it follows FACTA rules regarding both card numbers and expiration dates. If it does not, both you and other customers may have been affected, and you may be able to file a FACTA lawsuit against the business responsible.
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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