What It Is

Payment Card Industry Data Security Standard (PCI DSS v4.0) is an industry standard comprising 12 requirements organized into 6 control objectives. It provides a control-based framework to protect cardholder data (CHD) and sensitive authentication data (SAD) for merchants and service providers handling payment cards.

Key Components

• 12 requirements covering network security, data protection, vulnerability management, access controls, monitoring, and policies.
• Over 300 sub-requirements with testing procedures.
• Defined/customized approaches for flexibility.
• Validation via SAQ for smaller entities or ROC by QSAs; quarterly ASV scans.

Why Organizations Use It

• Contractual obligation from payment brands to avoid fines, bans.
• Reduces breach risks/costs ($37/record avg.).
• Builds customer trust, enables card processing.
• Enhances security hygiene, third-party oversight.

Implementation Overview

• Assess-Repair-Report cycle with CDE scoping, gap analysis.
• Applies to all card-handling entities globally.
• Phased: scope, remediate, validate; 6-12 months typical.
• Ongoing audits, scans for sustained compliance.

What It Is

Lei Geral de Proteção de Dados Pessoais (LGPD), Law No. 13.709/2018, is Brazil's comprehensive data protection regulation. Enacted in 2018 and fully enforced since 2021, it safeguards personal data of natural persons with extraterritorial scope applying to processing in Brazil, targeting residents, or collected there. It adopts a risk-based approach with 10 core principles like purpose limitation, necessity, and accountability.

Key Components

• 10 principles (purpose limitation, adequacy, necessity, transparency, security, prevention, non-discrimination, accountability).
• Data subject rights (access, correction, deletion, portability, anonymization, objection to automated decisions).
• Legal bases (10, including consent, legitimate interests); sensitive data rules.
• **GovernanceMandatory DPO for controllers, records of processing, DPIAs for high-risk activities.
• Enforcement by ANPD with graduated sanctions.

Why Organizations Use It

LGPD is mandatory for entities processing Brazilian data, avoiding fines up to 2% Brazilian revenue (R$50M cap). It mitigates risks, builds trust, enables market access in Brazil's digital economy, and aligns with GDPR for multinationals.

Implementation Overview

**Phased, risk-basedData mapping, DPO appointment, policies, technical controls, training, breach response. Applies to all sizes/industries with Brazilian nexus; no certification but ANPD audits/sanctions.