Fully 17% of credit unions surveyed for a new report on the U.S. debit industry told researchers they do not plan to issue debit cards with an embedded EMV chip. This means these credit unions risk taking all the liability for card fraud from their non-EMV enabled cards after the industry goes through its planned October 2015 liability shift.

The PULSE ATM Network released its 2014 Debit Issuer Study on Tuesday. Research firm Oliver Wyman conducted the study for the report.

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