SMITH
v.
ZAZZLE. COM, INC.
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The Fair and Accurate Credit Transaction Act (FACTA) does not apply to internet receipts automatically displayed on a computer screen, as the term 'print' in the statute refers to tangible, paper receipts.
Plaintiff alleged that defendant violated FACTA by providing an internet receipt containing her credit card expiration date. The receipt was automatic…
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ceipts; (2) FACTA is unconstitutionally vague and its. damage provision violates due process; and (3) Plaintiffs vague allegations fail to adequately allege a willful violation of FACTA. On October 27, 2008, the Plaintiff filed her Response (D.E. # 13). On November 17, 2008, the Defendant filed its Reply (D.E. # 16).
I.BACKGROUND
The Plaintiff alleges that, on August 12, 2008,
1
she engaged in an internet purchase with the Defendant.
See
Compl., Exhibit A. Defendant provided an internet receipt that contained the expiration date of the Plaintiffs credit/debit card.
See id.
at ¶ 14. This receipt was automatically displayed on the Plaintiffs computer screen after the transaction had occurred, rather than being submitted to the Plaintiff through an email.
See id.
at Exhibit A. Furthermore, the Plaintiff alleges that the requirements of FACTA were disseminated to the Defendant by various companies and councils affiliated with the credit-card industry.
See id.
at ¶ 15. Due to this notice, the Defendant’s failure to comply with the requirements of FACTA allegedly constitutes a willful violation.
See id.
Also, the Plaintiff alleges that she was actually harmed by being exposed to an increased risk of identity theft, but she does not seek actual damages because such would be too difficult to quantify.
See id.
at ¶ 22. Instead, she seeks to collect statutory damages, punitive damages, and reasonable attorneys fees and costs.
See id.
at ¶ 21. Finally, the Plaintiff alleges that similar’ willful violations by the Defendant have affected other similarly-situated individuals.
See id.
at ¶ 19.
II.LEGAL STANDARD
A motion to dismiss pursuant to Rule 12(b)(6) should be granted if the plaintiff does not plead “enough facts to state a claim to relief that is plausible on its face.”
Bell Atl. Corp. v. Twombly,
550 U.S. 544, 127 S.Ct. 1955, 1974, 167 L.Ed.2d 929 (2007). In ruling on a motion to dismiss, the court must accept the complaint’s allegations as true and construe them in the light most favorable to the plaintiff.
See M.T.V. v. Dekalb County Sch. Dist.,
446 F. 3d 1153, 1156 (11th Cir.2006). Finally, “[i]n analyzing the sufficiency of the complaint, [the Court] limit[s][its] consideration to the well-pleaded factual allegations, documents central to or referenced in the complaint, and matters judicially noticed.”
La Grasta v. First Union Securities, Inc.,
358 F. 3d 840, 845 (11th Cir.2004).
III.DISCUSSION
The pertinent section of FACTA, which was enacted on December4, 2003, provides:
(g) Truncation of credit card and debit card numbers
(1) In general
Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall
more than the last 5 digits of the card
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number or the expiration date upon any receipt provided to the cardholder at the
point of the sale
or transaction.
(2) Limitation
This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card.
(3) Effective date
This subsection shall become effective—
(A)3 years after December4, 2003, with respect to
any cash register or other machine or device
that electronically prints receipts for credit card or debit card transactions that is in use before January1, 2005; and
(B)1 year after December4, 2003, with respect to
any cash register or other machine or device
that electronically prints receipts for credit card or debit card transactions that is first put into use on or after January1, 2005.
15 U.S.C. § 1681c(g) (emphasis added).
The Defendant asserts that the proper approach concerning whether internet receipts may form a cause of action under FACTA was outlined in three recent decisions of this District — i.e.,
Grabein v. Jupiterimages Corp.,
2008 WL 2704451 (S.D.Fla. July 7, 2008) (Torres, Mag.);
Haslam v. Federated Dep’t Stores, Inc.,
Case No. 07-61871 (S.D.Fla. May 16, 2008) (Middlebrooks, J.);
2
Edwin King v. Movietickets.com,
Case No. 07-22119 (S.D.Fla. Feb. 13, 2008) (Gold, J.) — each of which determined that the plain meaning of the term “print” under 15 U.S.C. § 1681c(g)(l) establishes that Congress never intended for FACTA to apply to internet receipts. In those decisions, the Court refused to follow prior precedent — i.e.,
Grabein v. 1-800-Flowers.com, Inc.,
2008 WL 343179 (S.D.Fla. Jan. 29, 2008) (Huck, J.);
Vazquez-Torres v. Stubhub, Inc.,
2007 U.S. Dist. LEXIS 63719 (C.D.Cal. July2, 2007) — which held that an internet receipt could form the basis of a FACTA action. The Court reasoned that, by failing to interpret the term “print” within the context of § 1681c(g) as a whole, these previous decisions had misinterpreted this term.
See Jupiterimages,
2008 WL 2704451, at *5 (discussing that both Judge Gold and Judge Middlebrooks, in
King
and
Haslam,
respectively, declined to follow
1-800-Flowers, com
and
Stubhub
because neither of those decisions considered “the plain meaning of the word ‘print’ within the context of § 1681c(g) as a whole”). The undersigned agrees.
The plain meaning of the term “print” is dispositive. As a general rule, if a statute is unambiguous, there is no need to consult legislative history.
See CBS Inc. v. PrimeTime 24 Joint Venture,
245 F. 3d 1217, 1222 (11th Cir.2001). Here, the term “print” is not defined in the statute.
*1348
Thus, it is necessary to determine the meaning of this term by its common usage.
See Consol. Bank, N.A. v. United States Dep’t of the Treasury,
118 F. 3d 1461, 1464 (11th Cir.1997) (“In the absence of a statutory definition of a term, we look to the common usage of words for their meaning.”). The parties provide competing definitions of the term “print” from different dictionaries, but this does not establish that the term is ambiguous and legislative history should be consulted. Rather, canons of statutory construction should first be utilized.
See CBS,
245 F. 3d at 1225 (“Even where the statutory language is not entirely transparent ... the Court has tools at its disposal for elucidating the meaning of statute without reverting to legislative history. These tools are the canons of construction.... The canons assist the Court in determining the meaning of a particular statutory provision by focusing on the broader, statutory context.”). One such canon is the principle of
ejusdem generis,
which directs courts to interpret a general term in light of the more-specific terms of the statute.
See Snapp v. Unlimited Concepts, Inc.,
208 F. 3d 928, 934 (11th Cir.2000).
Based upon the other language in FAC-TA, the undersigned concludes that the term “print”, as Congress intended to use it here, unambiguously means the imprinting of something on paper or another tangible surface. Subsection 1681c(g) also uses the phrases “point of the sale” and “any cash register or other machine or device” to describe the type of printing that is prohibited. 15 U.S.C. § 1681c(g)(l), (3). This language clearly evinces an intent that the term “print” refer to the merchant’s imprinting of information on a paper receipt from a device such as a “cash register” at the “point of the sale.” Thus, a merchant’s internet receipt that is automatically displayed on a computer screen is not subject to FAC-TA’s truncation requirement.
3
If Congress had intended to extend the prohibitions of FACTA to email transmissions, the plain language of this statute would reflect such an intention.
See In re Griffith,
206 F. 3d 1389, 1394 (11th Cir.2000) (“Congress is presumed to know the content of existing, relevant law ... and that, ‘[wjhere Congress knows how to say something but chooses not to, its silence is controlling ....’” (quoting
In re Haas,
4
IV. CONCLUSION
Accordingly, after a careful review of the record, it is ORDERED, ADJUDGED, and DECREED that Defendant’s Motion to Dismiss (D.E. # 7) be, and the same is hereby, GRANTED. The instant action is
*1349
hereby DISMISSED. The Clerk shall CLOSE this case.
DONE AND ORDERED in chambers at the James Lawrence King Federal Justice Building and United States Courthouse, Miami, Florida, this 8th day of December, 2008.
Cases With Similar Vibessemantic neighbors from the corpus
Citator
Authorities Cited
- Bell Atl. Corp. v. Twombly, 550 U.S. 544 (U.S. 2007)
- La Grasta v. First Union Sec., Inc., 358 F.3d 840 (11th Cir. 2004)
- CBS Inc. v. Primetime 24 Joint Venture, 245 F.3d 1217 (11th Cir. 2001)
- In re Griffith v. United States, 206 F.3d 1389 (11th Cir. 2000)
- Consol. Bank, N.A. v. United States Dep't of the Treas., 118 F.3d 1461 (11th Cir. 1997)
- In re Haas v. Internal Revenue Serv., 48 F.3d 1153 (11th Cir. 1995)
- Snapp v. Unlimited Concepts, 208 F.3d 928 (11th Cir. 2000)
- M.T.V. v. DeKALB Cnty. Sch. Dist., 446 F.3d 1153 (11th Cir. 2006)