Hospitals and other health care providers may be liable for fraudulent use of credit cards at their facilities effective October 1, 2015 if they do not upgrade their credit card terminals. The major credit card issuers have been busy issuing to all cardholders new chip-enabled credit cards (“EMV Cards”) to address the growing concern with data breaches and stolen credit card information. The EMV Card generates a unique, one-time code for each transaction. Effective October 1, 2015, there will be a new EMV Card standard for face-to-face or in-store payments. After October 1, liability for fraudulent use of a credit card will fall on the party that has not upgraded their systems (meaning the POS terminals that can process EMV Cards) if chip technology could have prevented the fraud. This standard is managed by EMV Co., a consortium between Europay, Visa, JCB, Discovery, Mastercard and China Union Pay. To avoid liability for fraudulent charges, now is the time to audit your hospital and clinic payment processing  systems, inventory the POS systems and initiate deployment of chip-enabled terminals.