Some businesses may have violated federal law by printing too much personal information on customer receipts. Consumers are holding them accountable through multimillion-dollar class actions. Learn more about FACTA and how it could earn you up to $1,000 per violation.
If a store printed more than the last five digits of your credit or debit card — or included any part of your card’s expiration date — they may have compromised your data privacy and broken the law. And you could be eligible for $100 to $1,000 or more through a class action lawsuit. Class representatives may earn even more.
The Fair and Accurate Credit Transactions Act (FACTA) protects your private information and helps prevent identity theft. It applies to:
- Credit card and debit card transactions
- EBT transactions
- ATM withdrawals
- Reloads onto prepaid debit cards
If you have a credit, debit or EBT card receipt that shows a violation, upload it using the form on this page. It could earn you up to $1,000.
Do you qualify for a FACTA lawsuit?
You may qualify FACTA lawsuit if your receipt:
- Shows more than the last five digits of your card number
- Includes any part of the expiration date
- Was printed in the last few years (within statute of limitations)
Fill out the form on this page to check your eligibility.
Fill out the form on this page for more information.
What is FACTA?
FACTA is a federal law passed in 2003 to prevent identity theft and ensure consumer data privacy. It requires businesses to “truncate” card information on receipts — masking digits and leaving out expiration dates entirely.
What does a FACTA-compliant receipt look like?
A proper debit or credit card receipt should only show the last 5 digits of the card and no expiration date. Example:
ACCT: **** **** ***0 1234
EXP: ****
If your receipt shows more than this, or any part of the expiration date, it may violate FACTA.
Examples of FACTA receipt violations
Improper card number truncation:
- 1111 22** **** 4444
- 1111 **** **** 4444
- **** **** ** 444444
Even if vendors print less than five digits of a card number, they may be in violation of FACTA if these digits are not the last digits of a card.
Improper expiration date displayed:
- 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 partial dates or non-final card digits can constitute a violation.
What happens if I have receipts showing FACTA violations?
If your debit or credit card receipt fails to follow FACTA guidelines:
- You may be eligible to receive $100 to $1,000 per violation
- Lead plaintiffs in class actions may receive incentive awards up to $20,000
Consumers who serve as lead plaintiffs in successful FACTA lawsuits may also receive additional incentive awards. Some have obtained up to $20,000 in these cases. Incentive awards are discretionary and decided by the court based on factors including the class representatives’ specific services to the class, any potential risks they incurred, and the amount of the incentive award in comparison to the overall recovery.
If you have debit or credit card receipts that fail to properly hide information, you may qualify to participate in this FACTA lawsuit investigation.
Many consumers don’t realise that something as simple as a printed receipt could be worth up to $1,000 if it violates FACTA rules. This law exists to protect you from identity theft and hold businesses accountable when they mishandle personal information.
If your receipt shows more than the last five digits of your card or includes the expiration date, you may have a legal claim. Taking action not only helps you seek compensation but also ensures businesses follow the law to protect consumer data in the future.
FAQ
Q1: What is FACTA?
A1: FACTA, or the Fair and Accurate Credit Transactions Act, is a federal law that protects consumer information by requiring businesses to hide sensitive card details on receipts.
Q2: How much can I claim for a FACTA violation?
A2: You may be eligible to receive $100 to $1,000 per receipt that violates FACTA. Lead plaintiffs in class actions may earn incentive awards up to $20,000.
Q3: What makes a receipt FACTA-compliant?
A3: A compliant receipt should show only the last five digits of your card number and no expiration date at all.
Q4: Can I still claim if my receipt only shows part of the expiration date?
A4: Yes, even partial expiration dates are considered violations under FACTA.
Q5: How do I know if my receipt qualifies for a FACTA lawsuit?
A5: Check if your receipt shows more than the last five digits of your card number, includes an expiration date, and was printed within the last few years.
