FACTA lawsuit investigation: Check your paper receipts for credit card privacy violations

ATTORNEY ADVERTISING
Scott D. Owens, P.A.
Scott D. Owens, Esq.
Hollywood, Florida

That paper receipt in your wallet could be evidence of a FACTA violation — and you may qualify for up to $1,000 in compensation.

If you have a paper receipt printed at the time of sale that shows more than the last five digits of your credit, debit or EBT card number or includes any portion of the expiration date, you may qualify to take legal action and seek compensation through a FACTA lawsuit.

What to know about the FACTA lawsuit

• Core Issue: Businesses may have violated the Fair and Accurate Credit Transactions Act (FACTA) by printing excessive payment card information on paper receipts.

• Who it Affects: Consumers who received paper receipts showing more than the last five digits of a card number or any portion of an expiration date.

• Harm/Impact: Paper receipts that display too much payment card information may put consumers’ personal information at risk of identity theft or fraud.

• Legal Status: Attorneys are investigating potential FACTA violations and reviewing claims from consumers who may have qualifying paper receipts.

• Take Action: Complete the form on this page to check whether your paper receipt may qualify for a FACTA lawsuit. You may submit the form without uploading your receipt; however, submissions that include a copy or photo of the receipt will receive priority during the review process.

Many shoppers may already have qualifying receipts saved in apps like Fetch, Ibotta, Receipt Hog or ReceiptPal. If you use these apps or have saved paper receipts, take a moment to review these. You may already have documentation that helps support your claim.

What is a FACTA lawsuit?

The Fair and Accurate Credit Transactions Act (FACTA) is a federal law that helps protect consumer data privacy by limiting the payment card information businesses can print on paper receipts.

When a business prints more card information than FACTA allows, consumers may be eligible to seek compensation through a FACTA lawsuit. Potential FACTA violations include:

• Printing more than the last five digits of a customer’s credit, debit or EBT card number on a paper receipt
• Printing all or part of a card’s expiration date on a paper receipt

Consumers have recovered millions of dollars through FACTA settlements involving these types of violations.

Case updates

Legal status as of November 2026

• Attorneys are currently reviewing potential claims involving FACTA violations and printed receipt privacy issues.

This page was last reviewed and updated in November 2026 to reflect the latest case developments.

What is FACTA?

The Fair and Accurate Credit Transactions Act (FACTA) is a federal law passed in 2003 to help prevent identity theft and protect consumer data privacy. FACTA requires businesses to limit the card information printed on paper receipts by masking card numbers and omitting expiration dates entirely.

What does a FACTA-compliant receipt look like?

A FACTA-compliant credit, debit or EBT card receipt may display up to the last five digits of the card number but must not include the card’s expiration date. For example:

ACCT: **** **** ***0 1234

EXP: ****

If your paper receipt shows more than the last five digits of your card number or includes any part of the expiration date, it may constitute a FACTA violation.

Examples of FACTAViolations

Improperly displayed card numbers

The following examples show how card numbers may appear on paper receipts in violation of FACTA:

• 1111 22** **** 4444
• 1111 **** **** 4444
• **** **** ** 444444

One common violation involves printing the first six and last four digits of a card number, exposing more information than FACTA allows.

Even if a business prints fewer than five digits of a card number, it may violate FACTA if those digits are not the last digits of the card number.

Improper expiration date displayed

Examples of expiration dates that may violate FACTA when printed on paper receipts include:

• EXP: 03/17
• EXP: 03/2017
• EXP: 032017
• EXP: 0317
• Expires: 0317
• Exp Date: 03/17
• Exp Date: 03/31/17
• EXPIRY: 03/17
• 03/17
• 0317
• Date 03/**
• **/17
• 2017/03

Even a partial expiration date may constitute a FACTA violation.

What happens if I have receipts showing FACTA violations?

If your paper debit, credit or EBT card receipt fails to follow FACTA guidelines, you may be eligible to seek compensation, including:

• $100 to $1,000 in statutory damages per willful violation
• Additional incentive awards for consumers who serve as lead plaintiffs in successful class action lawsuits

Consumers who serve as lead plaintiffs in successful FACTA lawsuits may receive additional incentive awards. Some have obtained up to $20,000 in these cases. These awards are discretionary and determined by the court based on factors including the class representatives’ specific services to the class, any potential risks they incurred and the overall recovery.

Compensation and incentive awards are not guaranteed, and past results in FACTA class action lawsuits do not guarantee a similar outcome in future cases.

If you have printed paper receipts that fail to properly hide payment card information, you may qualify to participate in this FACTA lawsuit investigation.

Frequently asked questions about FACTA lawsuits

Can a photo of a paper receipt qualify for a FACTA lawsuit?

A photo or copy of an originally printed paper receipt may be used during the attorney review process. However, receipts originally sent by email or text do not qualify for this investigation.

Is there a deadline to file a FACTA lawsuit?

FACTA claims are generally subject to a deadline of two years after discovering a violation or five years after the violation occurred, whichever comes first. The deadline for your potential claim may depend on the specific circumstances, so submit your information for attorney review as soon as possible.

About the attorney: Scott D. Owens

Scott D. Owens and his team have extensive experience representing consumers in FACTA lawsuits involving data privacy and credit card privacy violations. Mr. Owens has helped secure some of the largest FACTA class action settlements to date, holding businesses accountable for improperly printing payment card information on paper receipts.

Past FACTA settlements involving Scott D. Owens include:

• $30.9 million – Subway
• $24.25 million – Ikea
• $20 million – Safeway gas station
• $11 million – LabCorp
• $7.5 million – Spirit Airlines
• $6.3 million – Godiva Chocolatier
• $4.75 million – Cheesecake Factory
• $2.5 million – Jimmy Choo
• $1.2 million – Microsoft

Please keep in mind that these past results do not guarantee a similar outcome in future cases.

Fill out the form on this page to see if you qualify for a free case evaluation.