credit card number truncation

State Law Update: Merchant Receipt Truncation
Effective January 1, 2009, California Code Section 1747.09 requires:

  • Cardholder and merchant receipts printed at the time of purchase to contain no more than the last five digits of a credit or debit account number
  • Cardholder and merchant receipts not contain the card expiration date

Several other states require “merchant receipt truncation” and similar legislation is pending elsewhere in the country.

With respect to laws for truncating consumer receipts, this is pretty widely known with significant merchant compliance, and we’ve reported on it before. This is Federal Law and a felony violation for non-compliance.

(g) Truncation of Credit Card and Debit Card Numbers
(1)In general. Except as otherwise provided in this subsection, 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.
(2)Limitation.  This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card.
(3) Effective date.  This subsection shall become effective–
(A) 3 years after the date of enactment of this subsection, with respect to any cash register or other machine or device that electronically prints receipts for cred- it card or debit card transactions that is in use before January 1, 2005; and (B) 1 year after the date of enactment of this subsection, with respect to any cash register or other machine or device that electronically prints receipts for credit
card or debit card transactions that is first put into use on or after January 1, 2005.

http://www.ftc.gov/os/statutes/031224fcra.pdf