Enhanced EBT (SNAP) Cybersecurity: Chip Cards, Mobile Apps, and Fraud Protection.
This Act aims to significantly enhance the security of EBT cards (used in the SNAP food assistance program) by mandating modern technologies like chip-enabled cards and transaction tokenization. Citizens will gain better tools to manage their accounts, including mobile applications, transaction notifications, and the ability to quickly freeze accounts in case of fraud. These changes are designed to protect benefits from theft and improve access to assistance.
Key points
Mandatory introduction of chip-enabled EBT cards (EMV technology) within 4 years to prevent card cloning and benefit theft.
States must offer digital user interfaces (including mobile applications) for account management, providing timely electronic transaction notices.
Users will have the ability to freeze and unfreeze their EBT account and use virtual card numbers (tokenization) for secure online transactions.
Prohibition on charging fees for EBT card replacement if due to malfunction, suspected fraud, expiration, or replacement required by new regulations.
Retail food stores must have chip-enabled payment terminals as a condition for participating in the SNAP program.
Expired
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