(ISC)2 Certified in Cybersecurity Practice Exam

Which standard regulates the security of credit and debit card transactions?

1. General Data Protection Regulation (GDPR)

2. NIST Cybersecurity Framework

3. Payment Card Industry Data Security Standard (PCI DSS)

4. Health Insurance Portability and Accountability Act (HIPAA)

The correct answer is: Payment Card Industry Data Security Standard (PCI DSS)

The Payment Card Industry Data Security Standard (PCI DSS) specifically regulates the security of credit and debit card transactions. This standard was developed to enhance the security of payment card transactions and to help reduce credit card fraud. PCI DSS establishes a set of requirements designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment. By mandating a variety of security measures, such as implementing strong access control measures, maintaining a secure network, protecting cardholder data, and regularly monitoring and testing networks, PCI DSS aims to provide a framework that protects sensitive financial information. Compliance with this standard is crucial for all entities involved in credit card transactions, ensuring that they adhere to best practices in data security. In contrast, the other options listed focus on different areas of data protection and privacy. For instance, the General Data Protection Regulation (GDPR) regulates data protection and privacy for individuals within the European Union and the European Economic Area, emphasizing personal data processing but not specifically on payment transactions. The NIST Cybersecurity Framework provides guidelines for managing cybersecurity risks across various industries but does not specifically address payment card transactions. Lastly, the Health Insurance Portability and Accountability Act (HIPAA) pertains to the protection of health information rather than