New Chip-Enabled Credit and Debit Cards: What Do They Mean for You?

Now that an October 1, 2015 deadline has passed, many credit and debit card issuers are replacing older magnetic stripe credit and debit cards with new chip-enabled cards. Likewise, some retailers are updating point-of-sale card readers at their cash registers to accept these chip-enabled cards.

What are chip cards?

Chip cards are another name for EMV (Europay, MasterCard and Visa) cards, which use a global standard for authenticating card transactions. EMV cards are “smart” cards that have a chip embedded into the card. Unlike traditional credit cards, EMV cards need not rely upon the magnetic stripe on the back of the card. EMV cards provide greater security than traditional cards and have been the standard in Europe for years.

Five Things I Learned from Reading the Privacy Policy

This is the first in a series of alerts by PRC Outreach Coordinator, Morgan that will take a deeper look into privacy policies, revealing important information for consumers about the use and protection of their personal information.

While browsing the Apple App Store or Android Play Store, you can find tens of thousands of applications (known as “apps”) under the “Medical” category. These apps require users to register in order to create a personalized medical profile that can manage their prescriptions or help track vitals like blood pressure and glucose levels. With pharmacy coupons at your fingertips and pill reminders in your pocket, these apps are marketed to mobile users as convenient, helpful, and even reliable or secure. Sounds like a dream come true for the plugged-in, health-conscious consumer! This in mind, I decided to take a closer look at some of the highest-rated medical apps’ privacy policies to find out what wasn’t being talked about in the app stores…

So you have a privacy question or complaint—now what?

Submit your privacy questions and complaints to us through our Online Complaint Center (OCC). Privacy Rights Clearinghouse’s dedicated Consumer Advisor responds to everyone, and we work very hard to stay up-to-date on a wide range of privacy issues

Here are some common questions we receive about the OCC.