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Fair & Accurate Credit Transactions Act - Violations

The Fair and Accurate Credit Transactions Act, 15 U.S.C. §1684, was established in 2003 to help curb identity theft. Under FACTA, no merchant shall print more than the last 5 digits of your credit card number or the expiration date of your credit card upon any receipt provided at the point of sale.

If you have received a merchant receipt which is in violation of FACTA, you may be entitled to $1,000.00 dollars for each infraction of the law.

Electronic Funds Transfers Act (15 U.S.C. § 1693)

Many people are unaware that ATM operators must provide certain notices with regard to the fees charged to consumers. In accordance with federal law, all ATM machines must disclose that a fee will be charged to a consumer on the outside of the machine (if indeed a fee will be charged).

Additionally, the machine must also disclose the precise amount of the fee charged to a consumer on the ATM screen (prior to a consumer completing the transaction). If you have been charged a fee for an ATM transaction without either one of these notices, you may be entitled to recover $100.00 dollars to $1,000.00 dollar per each violation of the law.

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