Explain the major drivers to create the new regulations

Write a paper explaining the major drivers to create the new regulations, the organizations subject to the regulation and the primary requirements placed on those subject to the regulation.
Payment Card Industry Data Security Standard (PCI DSS)
This paper should be comprehensive, double spaced, 1″ margins, 14 pt fontin length.
Citations and annotated bibliography are needed.
Each entry in the annotated bibliography should have a single sentence addressing each of the following regarding the source:
1. Write a single, short sentence summarizing the resource.
2. What is the primary focus/idea found in the source?
3. Why was the more source important to your understanding than other sources?
4. Does the item represent mainstream, extremist or balanced perspective?
5. Why is this source credible?