Class action settlement highlights liability associated with publishing credit card expiration dates on receipts

A recently settled class action lawsuit alleges that St. Louis' local transit agency violated federal law by publishing riders' credit card expiration dates on their receipts.  The suit alleged that the Bi-State Development Agency of the Missouri-Illinois Metropolitan District (dba "Metro") willfully violated the Fair and Accurate Credit Transactions Act (FACTA).

FACTA is a 2003 amendment to the Fair Credit Reporting Act.  It allows merchants to publish on a receipt up to five digits of each purchasers' credit card number.  However, it also prohibits the merchant from publishing more than five digits and prohibits the merchant from publishing the credit card expiration date.  Specifically, 15 U.S.C. 1681c(g) provides that "no person that accepts credit cards or debt 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.  

The lawsuit alleges that Metro was publishing portions of both numbers in violation of federal law.

The plaintiffs and class were represented by Richard J. Doherty of Boxk & Hatch LLC in Chicago.  Class members who respond timely may receive either a cash payment or free Metro pass.  More information can be found at http://metrolinkfactasettlement.com.  

If you have questions regarding the Fair and Accurate Credit Transactions Act, or received a receipt from a merchant containing your credit card's expiration date, please contact us