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Before you whip out your debit card, consider this: if some crafty thief hacks the store terminal and goes on a shopping spree using your data, you could be held responsible for $500 in charges.
That’s because debit cards do not share the same consumer protections as credit cards. This week’s series of data security hearings on Capitol Hill, an outgrowth of the recent rash of retail data breaches, highlighted the unequal treatment.
Not all of the 40 million Target customers who had their debit and credit card numbers stolen during the holidays can rest easy about their liability for fraudulent charges, Ed Mierzwinski of the U.S. Public Interest Research Group pointed out to lawmakers.
“The zero liability promise the banks make is just a promise, it’s not the law,” he told the Senate Banking Committee. “All plastic should be equal.”[...]
NOTE: Ed's blog post "Senators Support Improving Debit Card Fraud Rights" has more on the hearings and the issue.]
The overuse of antibiotics on factory farms is threatening the effectiveness of lifesaving antibiotics. Call on the Obama administration to put an end to the worst practices.
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