The "Payment Card Industry Data Security Standard PCI DSS)" Created

The "Payment Card Industry Data Security Standard PCI DSS) " created by Visa, MasterCard, American Express, and Discover is a ___________________________________.

A) Set of standards required by U.S. and international law for protecting credit card transaction data.
B) Set of industry standards required for all members, merchants, or service providers that store, process, or transmit cardholder data.
C) Set of voluntary security guidelines for retailers who accept Visa, MasterCard, American Express, and Discover credit cards.
D) Set of regulations that vary from state to state, and country to country) that apply to credit card companies, but not necessarily to retailers or merchants who accept them.