WASHINGTON (AP) — It's no battle of small fry as banks and big retailers go at it in the aftermath of the holiday season data breach at Target.

The two sides are doing some finger-pointing on the question of who bears more security responsibility.

The retailers say banks need to update the security technology for credit and debit cards.

The banks say even newer computer chip technology wouldn't have helped in the Target breach and it's up to retailers to tighten their payment processing systems.

Both industries come with considerable lobbying might and lawmakers are being bombarded with letters.

There is agreement that Congress should create a national standard for notifying consumers of data breaches.

Consumers, meanwhile, are caught in the middle and a recent poll finds nearly half are extremely concerned about the vulnerability of their personal data.

Four congressional committees have scheduled hearings this week.