3.2 Storage of account data is kept to a minimum.
This requirement focuses on minimizing the storage of account data. It ensures that organizations have data retention and disposal policies in place to limit the amount of account data stored and the duration of storage.
Sub-requirements
3.2. Storage of account data is kept to a minimum.
Ensure that account data is only stored when necessary for legal, regulatory, or business reasons, and is deleted as soon as it is no longer needed.
Key Risks
Frequently Asked Questions
Why is minimizing storage of account data important?
Minimizing storage reduces the risk and impact of data breaches and helps meet regulatory requirements.
What data should never be stored after authorization?
Sensitive authentication data, such as full track data, CVV, and PINs, must never be stored after authorization.
How do you enforce data retention policies?
By implementing automated deletion routines and conducting regular data discovery scans.
What are the consequences of storing data longer than necessary?
Increased risk of data breaches, possible fines, and loss of reputation.
How often should data retention be reviewed?
At least annually and after significant changes to business or regulatory requirements.
Common QSA Questions
Can you show evidence of your data retention and deletion processes?
Yes, we have automated deletion routines and audit logs that demonstrate compliance with our data retention policy.
How do you ensure sensitive authentication data is not stored post-authorization?
We use automated scanning tools and application controls to prevent and detect any unauthorized storage.
What is your process for reviewing stored account data?
We perform regular data discovery scans and review storage locations to ensure compliance.
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