When a breach happens and it is no fault of the card issuing Banks or Credit Unions who takes the biggest hit. Well the multi million dollar banks have deep pockets and will happily refund any nefarious activity on your accounts, your small Credit Unions will always do the same but when they reissue your card it is a cost they must eat.
There are no rules in place to make the offending merchant liable for any of these costs, unless there are changes made to these rules the smaller banks and credit unions will have no choice but charge higher fees or just go out of business.
http://thehill.com/blogs/congress-blog/technology/199856-credit-unions-and-their-members-pay-a-steep-price-after-data
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