[sisk]

A couple of data points:

American Express sent me a new card—unprovoked—about two months ago that is chipped. As mentioned elsewhere, it is a chip and signature card (as opposed to a chip and pin). I'm nothing particularly special as a credit card user so, if I received a card, seems the roll out has already well underway.

Another point is, as mentioned elsewhere, PayPal already offers a chip and pin compatible bluetooth device in a few countries marketed as part of their PayPal Here brand[0].

[0] - https://www.paypal.com/uk/webapps/mpp/how-to-use-paypal-here

[Nursie]

IIRC the bank->merchant liability shift for the US is scheduled for sometime next year. The banks can't very well shift the liability if they haven't given their customers the new cards!