Enhanced Cybersecurity for SNAP Act of 2026

Key Points

• This bill requires states to switch from old magnetic stripe EBT cards to modern chip-enabled cards. This change is designed to stop 'skimming,' which is when criminals use hidden devices on card readers to steal benefit information and drain accounts.
• States would have two years to start giving out the new chip cards. Within five years, all old magnetic stripe cards must be replaced. The federal government will pay states back for the costs of making these upgrades, including the price of the new cards and postage.
• If a card is stolen, damaged, or frozen because of fraud, the state must get a replacement to the family within three business days. Families can choose to have the new card mailed to them or pick it up in person.
• The bill bans states from charging fees to replace cards that break, expire, or are compromised by fraud. It also requires states to provide mobile-friendly apps or websites where users can check their balance, see a year's worth of history, and report suspicious activity.
• To keep accepting SNAP benefits, grocery stores and other retailers will be required to have card readers that can process chip cards. Small stores in rural areas or places with few grocery options can apply for government grants to help pay for these new machines.