Sen. Dick Durbin (D-Ill.).

Last week, Senator Dick Durbin (D-Ill.) sent a stern letter to EMVCo—an organization equally owned by six global payment networks that is responsible for providing standards for chip-based credit and debit cards in the US. Durbin took issue with EMVCo’s handling of the chip card rollout, accusing the standards organization of stalling retailers’ efforts to get certified and putting off a requirement for PIN authorization in order to line card networks’ pockets.

Durbin also sent a letter to the Federal Trade Commission (FTC), asking it to “examine how flaws and delays in the certification process can be addressed.”

Card networks agreed to transition the US from using magnetic stripe credit and debit cards to using chip-based cards years ago. With the backing of the US government, the card networks decided that by October 2015, all retailers in the US would have to have new terminal hardware to accept chip cards or face liability when fraud occurred on outdated machines. Many other countries in the world have been using chip-based cards for a decade or more.