During scoping, a client asks the assessor which compliance framework specifically mandates regular penetration testing of its cardholder data environment and is enforced contractually by Visa, Mastercard, and other brands rather than by government statute. Which standard is the assessor referring to?
ISO/IEC 27002 Information Security Controls
Sarbanes-Oxley Act (SOX)
Gramm-Leach-Bliley Act (GLBA)
Payment Card Industry Data Security Standard (PCI DSS)
The Payment Card Industry Data Security Standard (PCI DSS) is maintained by the PCI Security Standards Council and contractually required by the major payment-card brands. Requirement 11.3 calls for internal and external penetration testing at least annually and after any significant network change. Sarbanes-Oxley and Gramm-Leach-Bliley are U.S. federal laws that address corporate financial reporting and customer financial privacy, not cardholder data security, while ISO/IEC 27002 is an international best-practice guideline with no direct contractual enforcement by card brands.
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