Consumers are buying more goods online with their desktop or laptop computers, tablets, and mobile devices, creating more opportunities for fraud. Increases in CNP fraud can also have significant consequences for businesses of all sizes, which requires the need to be prepared with the proper fraud mitigation tools and strategies. Accordingly, the Accredited Standards Committee (ASC) X9 Retail Payments Subcommittee drafted a Technical Report (TR): Card-Not-Present (CNP) Fraud Mitigation in the United States: Strategies for Preventing, Detecting, and Responding to a Growing Threat (X9 CNP Fraud TR), to educate industry stakeholders on the risks presented by criminal activity and how to more effectively prevent, detect, and manage CNP fraud. This report provides a brief explanation of X9 and the importance of technical standards for financial services, and then describes key elements included in the X9 CNP Fraud TR.