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Late last week, American Express joined Visa when it introduced policies that should limit fraud costs for merchants facing sharply increased chargebacks since the October liability shift. It has been a busy summer for the major card brands, which are trying to alleviate hurdles that have held merchant and consumer adoption of EMV back and have increased tensions to the point where retailers have taken legal action against the brands and issuers. In addition to recent efforts to curtail the mysterious increase in chargebacks, each of the brands has introduced products or policies designed to either speed consumers through lines or streamline the certification process. Hackers are using ransomwareto target everyone, from consumers to businesses big and small, to municipalities, and the payoff is huge. Plainfield, New Jersey, a town of roughly 50, people, fell victim to hackers and is still working to get its files back, reports CBS News correspondent DeMarco Morgan.

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