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

Who’s Affected?

credit card receipts come with requirements

Is your receipt worth money?

You may be entitled to money damages based on information on your receipts.

Federal law protects consumers’ private information from being disclosed on credit and debit card receipts.

Under the Fair and Accurate Credit Transactions Act (FACTA), vendors can only print the last five digits of a card number on a receipt and cannot include any portion of the card’s expiration date.

If a retailer, restaurant, or other vendor prints receipts from credit card transactions that contain more than this information, they may be violating consumer rights under FACTA. In these situations, consumers may be able to collect compensation by taking legal action.

This example shows what numbers to look for and what a FACTA violation may look like:

Receipt showing FACTA violation

Do you qualify?

You may qualify to participate in this credit card receipt lawsuit investigation under the following circumstances:

  • A retailer printed more than the last five digits of your credit card number on a receipt; and/or
  • A retailer printed the expiration date on a receipt.

Individuals who take legal action against vendors who printed too much information on their receipts may be able to collect between $100 and $1000 under FACTA.

Additionally, individuals who serve as lead plaintiffs in a FACTA class action lawsuit may be able to collect an incentive award if the lawsuit results in a settlement. In some cases, Courts have approved incentive awards as much as $20,000 dollars.

(Please note: Submitting your information on this page is not a guarantee that you will receive a reward, incentive or otherwise, even if the attorney accepts your case. The attorney to whom your information is being forwarded may not accept your case.)

Fill out the form on this page for a free case evaluation by an experienced credit card receipt privacy lawyer.

Get Help from a Top Credit Card Receipt Lawyer

Top Class Actions is connecting eligible individuals who submit their information on this page with attorney Scott D. Owens, who is considered to be one of the top litigators involving alleged violations off FACTA.

Mr. Owens has litigated 5 of the largest FACTA recoveries, including the massive Subway credit card receipt class action lawsuit that resulted in a $30.9 million settlement.

Other FACTA settlements he reached include:

What is the Fair and Accurate Credit Transactions Act (FACTA)?

The Fair and Accurate Credit Transactions Act (FACTA) was passed by Congress in 2003 as an attempt to protect consumers from the increased risk of identity theft.

With retailers and vendors able to print any amount of credit or debit card information, perpetrators of identify theft could gather multiple receipts from the same card to piece together a complete profile of the card number, expiration date, and account numbers.

Additionally, this sensitive information could be accessed by identity thieves or phishing attackers through databases of personal data created by hackers that are readily available on the “dark web.”

FACTA aimed to curtail this fraud by standardizing the amount of information that could be printed on transaction receipts. The federal law states:

“No person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.”

These credit card receipt laws apply to any electronically printed receipt from cash registers, self-service kiosks, and restaurants. Receipts can also appear in the form of a contract or an invoice.

Receipts that are emailed, handwritten, imprinted, or included inside a package shipped to your home are not bound by the same FACTA requirements.

What is the proper format for a credit or debit card receipt?

Vendors can comply with the FACTA credit card receipt laws by censoring private information through truncation. Truncation is the process of hiding numbers with symbols such as * or #. These symbols act as placeholders in the system while also protecting sensitive credit card information.

A properly truncated receipt may look like the following example:

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

EXP: ****

Receipts that do not comply with the FACTA truncation requirement may increase a consumer’s risk of having their private credit card information stolen.

What are some examples of improper credit card receipt formats?

If a vendor printed a receipt containing digits from a credit card number other than the last five digits, they may be in violation of FACTA. The following truncation errors are examples of FACTA violations. Example 1 is the most common violation:

  • Example 1: 1111 22** **** 4444
  • Example 2: 1111 **** **** 4444
  • Example 3:  **** **** ** 444444

Even if vendors print less than five digits of a credit card number, they may be in violation of FACTA if these digits are not the last digits of a card.

The limitations on a card’s expiration date are equally as strict, with no expiration date information allowed to be printed by a vendor. The following expiration date representations are examples of FACTA violations:

  • Example 1: EXP: 03/17
  • Example 2: EXP: 03/2017
  • Example 3: EXP: 032017
  • Example 4: EXP: 0317
  • Example 5: Expires: 0317
  • Example 6: Exp Date: 03/17
  • Example 7: Exp Date: 03/31/17
  • Example 8: EXPIRY: 03/17
  • Example 9: 03/17
  • Example 10: 0317
  • Example 11: Date 03/**
  • Example 12: **/17
  • Example 13: 2017/03

What happens if a business fails to follow credit card receipt laws?

Failure to properly truncate consumer information is often the result of human error or reckless behavior. Regardless of whether or not errors were made with ill intent, this failure to comply with the truncation requirement may be a violation of FACTA.

Read More >> Is Your Receipt Worth Money?

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. 

See if you qualify by filling out the free form on this page.

Get Help – It’s Free

Join a Free Credit Card Receipt Class Action Lawsuit Investigation

If you qualify, an attorney will contact you to discuss the details of your potential case at no charge to you.

PLEASE NOTE: If you want to participate in this investigation, it is imperative that you reply to the law firm if they call or email you. Failing to do so may result in you not getting signed up as a client or getting you dropped as a client.

E-mail any problems with this form to:

  • Accepted file types: jpg, gif, jpeg, png, pdf.
  • Lead plaintiffs typically receive an incentive award if the case settles.
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After you fill out the form, the attorneys who work with Top Class Actions will contact you if you qualify to let you know if an individual lawsuit or class action lawsuit is best for you.


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