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Can you summarize ORRS 646A.214?
Trade Regulation > Verification of identity in credit or debit card transactions.
Short Summary
This section of the Oregon Revised Statutes governs the verification of identity in credit or debit card transactions. It allows merchants to require personal information, other than what appears on the face of the card, for the purpose of verifying the cardholder’s identity. However, the merchant is prohibited from writing this information on the transaction form. The section does not prevent a merchant from requesting and keeping written information necessary for shipping, delivery, installation, or warranty purposes, if provided voluntarily by the cardholder. Any provision in a contract that prohibits a merchant from verifying the identity of a person who presents a credit or debit card is void. The section does not compel a merchant to verify identity or interfere with their ability to establish verification policies. The term ‘merchant’ refers to a person who permits credit or debit cards as payment for goods or services in their ordinary course of business.
Whom does it apply to?
Merchants who accept credit cards or debit cards for transactions
What does it govern?
Verification of identity in credit or debit card transactions
What are exemptions?
This section does not compel a merchant to verify the identity of a person who presents a credit card or debit card in payment for goods or services, nor does it interfere with the ability of a merchant to make and enforce policies regarding verification of identity
What are the Penalties?
No specific penalties mentioned
Jurisdiction
Oregon