Doesn't it just make sense that if the breach happens at the retails location the they should be accountable for the costs. It's not the banks fault that a retailer didn't comply with standards that were put in place and why should they have to take all the costs. At some point the Banks fee will haver to increase as they spend more and more on data breaches.
http://www.mercurynews.com/opinion/ci_25332720/data-breaches-retailers-and-others-should-shoulder-some
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