Is the Payment Card Industry – Data Security Standard (PCI-DSS) a Risk Management Framework (RMF)?

PCI-DSSis not considered aRisk Management Framework (RMF). Instead, it is aprescriptive security standarddeveloped by the Payment Card Industry Security Standards Council to protect cardholder data. PCI-DSS specifies detailed control requirements such as encryption, access control, and monitoring, but it does not provide a holistic risk management structure for identifying, analyzing, and responding to risks. RMFs, such asNIST RMFor HITRUST’s risk-based approach, focus on identifying risks, applying controls proportionally, and managing risk over time. HITRUST includes PCI-DSS as a regulatory factor that can generate applicable requirements in assessments, but PCI-DSS itself is not classified as an RMF.