The Dayton Business Journal published an guest column written by attorney Ana Crawford on the change in liability from credit card issuers to retailers who do not use EMV chip-enabled readers. Crawford explains in the column that because the majority of credit card issuers are changing their liability policies, many businesses, with a few exceptions, will now be held liable for fraudulent charges. The guest column, “EMV Chip Credit Cards: Are businesses or banks liable for credit-card fraud?” was published on Nov. 16, 2015.