Adds a new paragraph (15) to subsection (h) establishing definitions, regulatory requirements, timelines for chip-enabled EBT cards, reimbursement authority, a grant program, data collection, and reporting requirements related to EBT card cybersecurity.

Makes conforming amendments to subsection (a) and subsection (b) of 7 U.S.C. 2016a by striking and redesignating specified paragraphs and subparagraphs, modifying internal cross-references, and adjusting punctuation/connecting words (e.g., adding 'and', striking certain subparagraphs, redesignating paragraph numbers, and replacing 'subsection (a)(3)' with 'subsection (a)(1)').

Amends subsection (h)(7) of 7 U.S.C. 2016 to add a new paragraph (B) requiring the Secretary to promulgate regulations ensuring timely replacement of EBT cards and offering in-person collection as an option.

References the definition of 'EBT cards' via citation to section 3 of the Food and Nutrition Act of 2008 (7 U.S.C. 2012) to define EBT cards for the report requirement.

Amends paragraph (2) formatting and adds a new paragraph (5) to require retail food stores and wholesale food concerns seeking authorization or reauthorization under SNAP to have a chip-enabled payment terminal at each retail location within 180 days after specified regulations become final.

Amends clause (i) and adds a new clause (ii) to prohibit State agencies from charging replacement fees for certain EBT card replacements (malfunction, fraud by non-household individual, expiration, or required replacement under regulations), effective 60 days after enactment.