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        PRIOR PRINTER'S NOS. 638, 3150                PRINTER'S NO. 3400

THE GENERAL ASSEMBLY OF PENNSYLVANIA


HOUSE BILL

No. 565 Session of 2005


        INTRODUCED BY BAKER, ARGALL, CLYMER, DeWEESE, ARMSTRONG,
           BALDWIN, BISHOP, BOYD, BROWNE, BUNT, CALTAGIRONE, CAPPELLI,
           CASORIO, CAUSER, CAWLEY, DENLINGER, FABRIZIO, FAIRCHILD,
           FICHTER, FLEAGLE, FREEMAN, GEIST, GEORGE, GERGELY, GINGRICH,
           GOOD, GOODMAN, GRUCELA, HARRIS, HERSHEY, HUTCHINSON, JAMES,
           KILLION, LEACH, LEDERER, MACKERETH, MAJOR, MANDERINO, MANN,
           McILHATTAN, R. MILLER, S. MILLER, MUNDY, NAILOR, O'NEILL,
           PAYNE, PETRONE, PHILLIPS, READSHAW, ROHRER, RUBLEY, SCAVELLO,
           SCHRODER, R. STEVENSON, E. Z. TAYLOR, THOMAS, WANSACZ,
           WHEATLEY, YEWCIC, YOUNGBLOOD, SAYLOR, KAUFFMAN AND McGEEHAN,
           FEBRUARY 16, 2005

        AS RE-REPORTED FROM COMMITTEE ON APPROPRIATIONS, HOUSE OF
           REPRESENTATIVES, AS AMENDED, JANUARY 24, 2006

                                     AN ACT

     1  Amending the act of May 21, 1992 (P.L.241, No.36), entitled "An
     2     act prohibiting persons who accept credit cards for the
     3     transaction of business from requiring certain additional
     4     information from the credit cardholder; providing for
     5     enforcement of the act; and imposing civil penalties,"
     6     prohibiting certain credit card information on receipts.

     7     The General Assembly of the Commonwealth of Pennsylvania
     8  hereby enacts as follows:
     9     Section 1.  The title of the act of May 21, 1992 (P.L.241,
    10  No.36), referred to as the Credit Card Information Act, is
    11  amended to read:
    12                               AN ACT
    13  Prohibiting persons who accept credit or debit cards for the
    14     transaction of business from requiring certain additional
    15     information from [the credit cardholder] cardholders and from

     1     including certain information on receipts; providing for
     2     enforcement of the act; and imposing civil penalties.
     3     Section 2.  Section 1 of the act is repealed.
     4     Section 3.  The act is amended by adding sections to read:
     5  Section 1.1.  Short title.
     6     This act shall be known and may be cited as the Credit and
     7  Debit Card Information Act.
     8  Section 1.2.  Definitions.
     9     The following words and phrases when used in this act shall
    10  have the meanings given to them in this section unless the
    11  context clearly indicates otherwise:
    12     "Credit card."  A device or instrument which entitles the
    13  holder to obtain money, goods, services or anything of value
    14  either on credit or as an automatic debit against an account of
    15  the holder. The term includes a debit card.
    16     "Debit card."  A card issued by a financial institution to a
    17  consumer for use in initiating an electronic fund transfer from
    18  the account of the consumer at such financial institution, for
    19  the purpose of transferring money between accounts or obtaining
    20  money, property, labor or services.
    21     "Person."  An individual, corporation, trust, partnership,
    22  limited partnership, incorporated or unincorporated association
    23  or other entity.
    24     Section 4.  Section 2 of the act is amended by adding a
    25  subsection to read:
    26  Section 2.  Requirement of information prohibited.
    27     * * *
    28     (c.1)  Truncation of credit card and debit card numbers.--
    29         (1)  Except as otherwise provided in this subsection, no
    30     person that WHO accepts credit cards or debit cards for the    <--
    20050H0565B3400                  - 2 -     

     1     transaction of business shall print more than the last five
     2     digits of the card number or the expiration date upon any
     3     ELECTRONICALLY PRINTED receipt provided to the cardholder at   <--
     4     the point of the sale or transaction.
     5         (2)  This subsection shall apply only to receipts that     <--
     6     are electronically printed and shall not apply to
     7     transactions in which
     8         (2)  FOR PURPOSES OF THIS SUBSECTION, A RECEIPT OF A       <--
     9     TRANSACTION IS NOT ELECTRONICALLY PRINTED IF the sole means
    10     of recording a credit card or debit card account number FOR    <--
    11     THE TRANSACTION is by handwriting or by an imprint or copy of
    12     the card.
    13         (3)  This subsection shall apply as follows:
    14             (i)  Three years after the effective date of this      <--
    15         subsection, with respect to any cash register or other
    16             (I)  WITH RESPECT TO ANY CASH REGISTER OR OTHER        <--
    17         machine or device that electronically prints receipts for
    18         credit card or debit card transactions that is in use
    19         before January 1, 2006. 2005, THIS SUBSECTION SHALL APPLY  <--
    20         DECEMBER 4, 2006.
    21             (ii)  One year after the effective date of this        <--
    22         subsection, with respect to any cash register or other
    23             (II)  WITH RESPECT TO ANY CASH REGISTER OR OTHER       <--
    24         machine or device that electronically prints receipts for
    25         credit card or debit card transactions that is first put
    26         into use on or after January 1, 2006. 2005, THIS           <--
    27         SUBSECTION SHALL APPLY IMMEDIATELY.
    28     * * *
    29     Section 5.  This act shall take effect in 60 days.             <--
    30  IMMEDIATELY.                                                      <--
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