Which of the following guidelines or standards is associated with the credit card industry?

COBIT is an IT governance framework published by ISACA focused on aligning IT processes with business goals, not specific to the credit card industry.

Sarbanes-Oxley Act (SOX) is a US federal law focused on financial reporting accuracy and corporate accountability for publicly traded companies, not payment card data.

HIPAA is a US federal law governing the privacy and security of protected health information in the healthcare industry, unrelated to credit card data.

Payment Card Industry Data Security Standards (PCI DSS) was developed by major card brands including Visa, Mastercard, and American Express through the PCI Security Standards Council. It defines 12 core requirements covering network security, access control, encryption, and monitoring specifically to protect cardholder data environments. Compliance is mandatory for any entity that handles payment card transactions.