Proposed MasterCard, Home Depot Breach Settlement ‘Confuses’ card issuers, attorneys say. Banks and credit unions are under no obligation to forfeit their rights to pursue additional payment, they say. A spokesman for Home Depot says there is a tentative settlement in place with MasterCard. Visa spokeswoman: “We continue to work with Home Depot and its acquirers regarding potential GCAR [Global Compromised Account Recovery] liability” The settlement uses MasterCard’s Account Data Compromise (ADCADC) program to offer partial recovery amounts for financial institutions’ losses during the data breach.”]