What is the scope of FACTA’s card number truncation beyond receipts?

• A. It applies to only receipts.
• B. It applies to any consumer-facing display of card numbers, not just receipts.
• C. It applies only to online displays.
• D. It applies only to ATMs.

Answer: (B)

FACTA’s card-number truncation is meant to protect the card number whenever a consumer can see it, not just on receipts. The rule applies to any consumer-facing display of the number—online checkout pages, order confirmations, mobile apps, and other screens where the card number might appear—so you should show only the last four digits and mask the rest. This broader scope helps reduce exposure across all ways a consumer might encounter the number. The other options are narrower than FACTA’s intent (limited to receipts, online displays, or ATMs), whereas the law covers all consumer-facing displays of card numbers.