PCI DSS 4.0 3.2.1: 3.2.1 Data retention and disposal minimise stored account data
The entity limits stored account data through policies, procedures and processes governing how long data is kept and how it is disposed of, which address at minimum: (1) every location where account data is stored; (2) any sensitive authentication data (SAD) held before authorization completes; (3) restricting the volume held and the retention period to what legal, regulatory and/or business needs demand; (4) defined retention periods for stored account data, each with a documented business justification; (5) processes to securely delete account data, or make it unrecoverable, once the retention policy says it is no longer needed; and (6) a check performed at least every three months confirming that account data held beyond its retention period has been made unrecoverable or deleted securely. Applicability: where the data is stored by a third-party service provider such as a cloud provider, the entity is responsible for working with it to understand how the provider satisfies this requirement, with considerations including secure deletion of every geographic instance of a data element. Objective under the customized approach: account data is kept only where needed, for the shortest necessary time, and is securely removed or made unrecoverable afterwards. Future-dated (bullet covering SAD stored before authorization completes): treated as a best practice up to 31 March 2025 and mandatory since then.
This control maps to 78 controls across 23 other frameworks. If you already hold one of them, the evidence you collected for it is the starting point here rather than new work.
You are reading one control. How much of PCI DSS 4.0 have you already done?
PCI DSS 4.0 3.2.1 is one control. If you already hold one of the frameworks below, a reviewed crosswalk already says how much of PCI DSS 4.0 your existing evidence covers. Hold ISO 27001:2022 and 139 of 280 PCI DSS 4.0 controls already carry evidence.
Each report names every control your existing framework evidences, every one it does not, the reasoning behind each claim, and the claims that were argued against and rejected. 415 were rejected on the ISO 27001:2022 pair alone.