CardSystems improperly used credit card data

Despite violating Visa and MasterCard policies, CardSystems was holding customer credit card data for "research purposes." The spin today is that it had to do with researching unathorized or uncompleted transactions but looking at the history of this mess so far, who really believes anything this bunch of clowns have to say. Either way, they were in violation of policy and as consumers we ought to expect a penalty against CardSystems and it is time we get serious protections and not just re-hashed policy that says and means nothing, as is being proposed by the GOP. I suppose that all of our friends in DC are too busy counting the campaign money from the industry to give a damn about regular voters.