Enhanced Cybersecurity for SNAP Act of 2026

The Enhanced Cybersecurity for SNAP Act of 2026 requires states to transition from magnetic stripe to chip-enabled EBT cards within 4-5 years, with specific deadlines for new cards and reissuing existing cards. It mandates states to provide multiple user interfaces for managing EBT accounts - including mobile-friendly web portals, text messaging, voice services, and nondigital options - all available 99% of the time in required languages. The bill requires states to provide real-time transaction notifications, access to historical transactions for the past year, and fraud reporting capabilities to SNAP recipients, while prohibiting PIN/password requirements that conflict with federal cybersecurity standards. It eliminates fees for replacing cards due to malfunction, fraud, or required upgrades and requires states to replace damaged or lost cards within 3 business days. Additionally, the bill includes a grant program to help retailers upgrade to chip-compatible payment terminals in areas with limited grocery access.