Liability was to switchover from the issuer to the merchants&#x27; processors (banks) in October, so that was the big push, to off-set liabilities.  My experience is about 25% require Chip and PIN.<p>Some consumers are registering complaints about slow lines due to C&amp;P[1] most of it due to longer C&amp;P processing time.<p>[1]<a href="http:&#x2F;&#x2F;security.itbusinessnet.com&#x2F;article&#x2F;One-in-Five-Consumers-Say-Paying-with-Chip-enabled-Credit-Cards-Takes-Too-Long-4170671" rel="nofollow">http:&#x2F;&#x2F;security.itbusinessnet.com&#x2F;article&#x2F;One-in-Five-Consum...</a>