[_delirium]

That's generally been the case in Europe, but as I understand it this "liability shift" would be more difficult to enact in the U.S., because U.S. law has blanket limits on consumer liability for credit-card fraud (maximum $50 for card-present transactions and $0 for card-not-present). There are exceptions if the bank can show that you were negligent, e.g. you knew a card was stolen but failed to report it in a timely manner, but the burden of proof remains on the bank in those cases.