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Greater Protection for Credit and Debit Cards Passed by Texas House
Tuesday, May 5, 2015 6:55 AM

A bill that requires photo identification for individuals using a credit or debit card to purchase or add value to a stored value card at a merchant with over 50 locations has passed the House.

HB 3522 by Rep. Oscar Longoria (D-Mission) would require merchants to ask for photo identification from a person wishing to purchase or add value to a stored value card, when that person chooses to pay for the transaction using a debit or credit card and does not provide a zip code or PIN number to authenticate the transaction. The merchant would be responsible for any losses to the cardholder and card issuer when it is required and fails to properly obtain identification.

Criminals purchase stored value cards with stolen credit and debit card information to monetize stolen credit and debit cards. This would create an additional layer of protection against thieves at the point of sale. For those merchants who are now using PIN-less debit transactions or do not require a zip code, a photo ID at the time of transaction would become mandatory.

The bill passed by a vote of 105 to 32.

Contact Jeff Huffman, Texas Credit Union Association at 469-385-6488 or for more information.