Introduction to SNAP Benefits
The Supplemental Nutrition Assistance Program (SNAP) is the largest food program in the nation, providing benefits to millions of Americans. However, the cards used to purchase food for families lack modern security features, making them vulnerable to theft. SNAP benefits are being stolen through a process called "SNAP skimming," which has surged in recent months.
What is SNAP Skimming?
SNAP skimming is a type of fraud where criminals steal benefits from SNAP recipients by using devices to extract information from the cards. This is possible because the cards do not have a computer chip, known as an EMV chip, which provides an additional layer of security. Without this chip, criminals can easily access the card information and steal the benefits.
The Problem with SNAP Cards
The problem with SNAP cards is that they lack modern security features, making them easy targets for criminals. Each state has its own SNAP card, and in Texas, the Texas Health and Human Services Commission manages SNAP benefits and issues them on the Lone Star card. However, none of these cards have the EMV chip, which is a standard feature in most credit and debit cards.
Real-Life Consequences
The consequences of SNAP skimming are devastating for families who rely on these benefits to purchase food. Chaunsea DiMaggio, a Houston resident, had her SNAP benefits stolen, leaving her with only $3.42 on her card. "We rely on that every single month, otherwise we don’t eat," she said. Many other Houstonians have shared similar stories, highlighting the need for urgent action to address this issue.
Expert Opinion
According to Haywood Talcove, the CEO of LexisNexis Risk Solutions, Government Business, "The EBT program has become a buffet for fraudsters." He emphasizes that the lack of security features on SNAP cards makes them an easy target for sophisticated transnational criminal groups. Talcove suggests that states could skip the chip and consider contactless payment methods, such as Apple Pay or digital wallets, which are more secure and remove the physical plastic card from the equation.
What’s Being Done?
Some states, such as California, Oklahoma, Alabama, and Maryland, are working on releasing new SNAP cards with improved security features. However, Texas is still in the process of researching the possibility of implementing chip cards. Talcove criticizes this approach, saying that it shows a lack of concern for taxpayer dollars and the food insecure.
Conclusion
The SNAP skimming issue is a serious problem that affects millions of Americans who rely on these benefits to purchase food. The lack of modern security features on SNAP cards makes them vulnerable to theft, and the consequences are devastating for families who are already struggling to make ends meet. It is essential that states take urgent action to address this issue, whether by implementing chip cards or considering more secure payment methods. By doing so, we can protect the benefits of those who need them most and prevent further theft.
