laws to truncate credit card numbers on receipts

FEDERAL LEGISLATION on Credit Card Numbers on Receipts updated February 7, 2008.

Through the Fair and Accurate Credit Transactions Act, Public Law 108-159, Congress preempted the states on credit and debit card truncation to set a national standard. Under Title I, §113 of the Act, only the last five digits of the card account number can be printed on electronically printed receipts provided to the customer. The new truncation requirement does not apply to handwritten receipts or receipts imprinted with a copy of the credit card.

Link to Federal laws on credit card receipts

For Release: May 30, 2007
FTC Reminds Businesses Law Requires Them to Truncate Credit Card Data on Receipts

The Federal Trade Commission has issued an alert, to remind businesses that a federal law calls for them to truncate electronically processed credit card receipts to include no more than the last five digits of the card number, and to delete the expiration date.
The law applies only to electronically printed receipts, not to handwritten or imprinted ones, and it applies to the receipts the customer is given, not to the receipts the businesses retain for their own records.

According to the FTC, credit card numbers and expiration dates on sales receipts provide helpful information for scammers trying to commit identity theft. Congress passed the Fair and Accurate Credit Transaction Act to minimize the amount of personal identifying information on credit receipts, because they can be lost or thrown away to be retrieved by would-be identity thieves. The law was phased in so that merchants with newer electronic card-processing machines had to comply with its provisions as early as 2004, and those with older machines by December 2006. All merchants that electronically print credit or debit card receipts must now truncate the information on the copy they give consumers.

The business alert advises that merchants who fail to comply with the law could face FTC law enforcement action, including financial penalties and federally-enforced restrictions or requirements.

See page 24 of the FCRA, Federal Credit Reporting Act for additional information. ( FCRA PDF download)