Two members of the New York City Council have asked state banking regulators to investigate banks’ practices of mailing debit cards to people who did not ask for them, and to set guidelines about how banks should offer debit cards to consumers.

The council members say automated teller machine cards that double as debit cards expose consumers to a higher risk of theft than ATM cards that do not work at the point of sale. Most consumers do not know the difference, the council members say, and the banks have not explained it clearly to their customers.

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