Dynamic Accident Lawyers: How FACTA Rules Protect Consumers

Consumer protection attorneys are currently looking for potential plaintiffs to bring credit card lawsuits against various retail companies for violations of the Fair and Accurate Credit Transaction Act (FACTA).

FACTA requires that merchants follow very specific rules and regulations in order to protect consumers from fraud or identity theft.

FACTA works to protect consumers by preventing third parties from being able to piecemeal together a customer’s credit card information based off of a merchant receipt.

FACTA addresses issues of privacy, accuracy, limits on information sharing, and consumer rights to the disclosure of their information. The federal law was passed in 2003 by Congress in an effort to address the growing issue of identity theft.

Merchants violate FACTA rules and regulations by including any portion of a consumer’s credit card expiration date on the receipt or by including more than the last five digits of the credit card number on the receipt.

Instead of including the consumer’s entire credit card number on the receipt, merchants should represent the numbers with symbols such as * or #. However, when these rules are not followed, it leaves customers at risk for identity theft or credit card fraud.

FACTA regulations apply to all electronically printed receipts, whether or not the receipt is printed at a restaurant, self serve kiosk, or a cash register. If a merchant violates a consumer’s FACTA rights, the consumer may file FACTA lawsuit against the merchant for willfully or negligently violatating federal consumer protection laws.

Bringing a credit card lawsuit against a company is a big decision that should be made on a case by case basis with the advice of a legal professional. Consumer protection attorneys can help individuals weigh the costs and benefits of filing such a lawsuit.

In many cases, potential plaintiffs will have the option of bringing their FACTA lawsuit individually or as a class action lawsuit.

Different types of cases often lend themselves to being filed individually or as a class action lawsuit. Legal professionals like consumer protection attorneys can help plaintiffs make the best decision based on the facts and circumstances of their particular case.

Consumers who have had merchants violate their FACTA rights may still receive monetary compensation even if they did not suffer from credit card fraud or identity theft, but simply because the merchant put their information at risk for such problems.

Free FACTA Class Action Lawsuit Investigation

If you made one or more purchases and the retailer provided you with a receipt that contained more than the last five digits of your credit or debit card number or the expiration date, you may be eligible for a free class action lawsuit investigation and to pursue compensation for these FACTA violations.

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