A 1991 study of credit, debit and check card fraud made prevention recommendations in several areas, including: (1) Applications for cards (merge data sets for the industry; initiate tighter controls over requests to redirect mail); (2) Card and check theft (continue crime pattern analysis to identify insecure addresses; card awareness campaigns among the public and among business people); (3) Card misuse (allow customers to select their own Personal Identification Numbers; introduce laser-engraved Payment Authorization Cards with photographs; improve staff training; tighten controls over merchants by acquirers); (4) Check misuse (improve security for business checks with holograms and other measures; tighten controls on opening accounts and accepting countersigned third-party checks); and (5) Policing changes (improve handwriting examination facilities; regionalize check squads and fraud intelligence; change credit card voucher system). The report describes in detail these and other measures, some of which have already been implemented. Notes, tables, references