The FBI is quite correct. CHIP and PIN is a more secure method. If my Chipped (and PIN'ed) card is lost or stolen no-one can use it. If I have a Chip and Signature card stolen ANYONE can use it! It's quite ridiculous that the US insists on using a technology in a half-assed way that most of the Western world has used as intended for a decade or more! Since I'm not a US citizen I have a question: If you have a Chip and Signature card stolen and used by someone who takes the financial hit - the merchant, you, or the bank? For sure I know it won't be the bank!!