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Debit cards are not required to offer as much protection against fraud as credit cards are, since debit cards are regulated under the Electronic Funds Transfer Act, while credit cards are regulated under the Fair Credit Reporting Act. Here is an article that summarizes several of the issues with debit cards relating to fraudulent use, and some ways to help protect yourself:

An excerpt:

Under the Fair Credit Reporting Act, your credit-card issuer can't hold you responsible for any of those unauthorized charges. "Usually, they give you a new card, a new account number, and that's that," he explains.

But consumers whose debit-card data gets lifted are subject to a different set of rules and regulations — ones that may well leave you unprotected. "You're in a fundamentally weak position angling to get the grocery money put back in your checking account," says Jean Ann Fox, director of consumer protection for the Consumer Federation of America. Best-case scenario, you're out of cash until the bank investigates your claim. And there's a very real chance you could lose some — or all — of that money for good.

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