In this Monday, Feb. 3, 2014 photo, Sen. Mark Warner, D-Va., chairman of the Senate Banking Subcommittee on National Security and International Trade and Finance, displays his personal bank card as he leads a hearing on the recent incidents of mass credit card fraud in Washington. The hearing comes following the theft of consumers’ data at retailers such as Target Corp and Neiman Marcus during the holiday shopping season. (AP Photo/J. Scott Applewhite)