A couple reads a receipt.According to consumer reports, many retailers, restaurants, and other companies may be printing sensitive customer financial information on receipts. In addition to leaving customers open to identity and financial theft, these receipts may also be in violation of the Fair and Accurate Credit Transactions Act (FACTA).

How Can You Tell If Your Receipt Contains a FACTA Violation?

As credit and debit card receipts often contain many numbers, consumers may find it confusing to determine whether their card number has been included on the receipt.

Take a look at the example below. Customer credit and debit card information will often be labeled “account,” or abbreviated as “acct#,” while expiration dates will be labeled “exp.” Numbers such as the AID, TVR, TSI, and REF are not important in determining whether your receipt includes sensitive personal financial information.

A receipt shows where FACTA violations may be found.

If sections of the receipt contain more digits than are allowed under FACTA, your financial information may be at risk.

According to the Fair and Accurate Credit Transactions Act (FACTA), retailers and other vendors may only print the last five digits of a customer’s credit card number on their receipt and must censor the other digits, generally by replacing these digits with the star or pound sign.
Retailers are also prohibited from including any part of the card’s expiration date.

In many cases, retailers only censor the middle six digits of a credit card number, leaving the remaining 10 digits visible to possible thieves. Even if a retailer prints five digits or less of a consumer’s credit card number, they may be violating FACTA if the visible digits are not the final five digits of the card number.

If you have a receipt that contains more than five digits of your credit or debit card number, or any part of your card’s expiration date, you may be eligible to pursue compensation for these FACTA violations. Checking your receipts for FACTA compliance can be an easy habit to implement which can help you make sure your information is safe.


FACTA was passed by Congress in 2003 in order to protect consumers from identity theft. Identity thieves who collect multiple receipts from the same individual may be able to piece together enough information to steal the individual’s identity and commit financial theft or fraud.

Information that may be collected includes the credit card number, account number, and expiration date of credit and debit cards. In order to minimize the risk of thieves being able to steal consumers’ identities from their receipts, FACTA has strict regulations about what information is allowed to be printed on these receipts.

FACTA only applies to electronically printed receipts from cash registers, restaurants, and self-service kiosks. Receipts that are emailed, imprinted, handwritten, or included inside a shipped package are not covered under FACTA.

FACTA Compensation

Retailers and companies who have agreed to class action settlements in order to settle claims that companies printed too much information on customer credit card receipts include Jimmy Choo, Godiva, Microsoft, LabCorp, Subway, and Spirit Airlines.

Jimmy Choo agreed to pay $2.5 million in 2017 to resolve the claims against them. Our readers have reported receiving checks worth up to $155.67 from this settlement.

Godiva’s $6.3 settlement is making its way through the appeals process and may provide hundreds of dollars in compensation for consumers who received a Godiva receipt that violated FACTA. Although certain industry groups are opposed to the settlement, plaintiffs and Class Members are pushing for the settlement to result in claimant payments.

Microsoft reached a similar agreement in which they agreed to pay $1.2 million to settle the claims against them. Although payments haven’t been reported yet, payments are estimated to be around $100.

Although LabCorp has been in the news lately for its data breach, the company previously agreed to an $11 million settlement. This FACTA resolution resulted in our readers receiving settlement checks worth up to $179.44.

In 2018, Subway reached a landmark settlement of $30.9 million to resolve claims that their credit and debit card receipts violated FACTA. This settlement has reportedly resulted in payments to Class Members, with our readers receiving checks worth up to $52.92.

Spirit Airlines agreed to a larger settlement of $7.5 million to resolve claims that their receipts violated FACTA. Our readers reported receiving settlement checks worth up to $112.55 in connection with this deal.

If you were given a receipt from a retailer that includes more than the last five digits of your credit or debit card number or any portion of your card’s expiration date, you may be eligible to hire a qualified attorney and file a class action lawsuit against the retailer.

People who have had their credit card information printed on a receipt may be able to collect between $100 and $1,000 for this FACTA violation.

Join a Free Credit Card Receipt Class Action Lawsuit Investigation

If you have a receipt, invoice or contract from a retailer or vendor that includes more than the last five digits of your credit card or debit card number or any portion of the expiration date, you may qualify to file a credit card receipt class action lawsuit.

Learn More

This article is not legal advice. It is presented 
for informational purposes only.

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Please note: Top Class Actions is not a settlement administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does not process claims and we cannot advise you on the status of any class action settlement claim. You must contact the settlement administrator or your attorney for any updates regarding your claim status, claim form or questions about when payments are expected to be mailed out.



  • Jacqueline Washington March 25, 2020

    PLEASE ADD ME and tell me how to send you these receipts. Groceries, merchants, restaurants, convenience stores, gas stations

  • Felicia Pettis March 24, 2020

    Add me too

  • Penny Smith March 12, 2020

    Add me. I see it alot.

  • Linda March 12, 2020

    Pls add me to this action.

  • mylea holloway March 12, 2020

    please add me. I also have additional companies that violate this requirement.

  • DIANE BARTON January 23, 2020

    Please add Me,

  • Latrina January 18, 2020

    Please ADD Me i feel i have been violated facta violations privacy put at risk im already a victim of identity theft smh i have several Walgreens reciepts that they’ve posted 10 my 💳 numbers on my reciepts wow

    • Jw March 25, 2020

      Wow, they good for that.

  • Patricia kemesies January 3, 2020

    Please add me I have seen many receipts I have received with this information on it

  • Oshea Jenkins December 18, 2019

    I know for a fact most of my receipts printed out too much information add me

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