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Despite years of battling by the financial industry and a massive change in the way Americans use debit and credit cards, the rate of identity theft soared during 2016, a new report has found. An estimated 15.4 million consumers were hit with some kind of ID theft last year, according to Javelin Strategy & Research, up from 13.1 million the year before. adults were victims of ID theft last year (6.15%) — and the incidence rate jumped some 16% year over year.

The report begins ominously: “2016 will be remembered as a banner year for fraudsters, as numerous measures of identity fraud reached new heights.” Fraud losses totaled $16 billion, the report found. This despite 2016 being the first full year that brick-and-mortar retailers were forced to accept more secure EMV chip cards or face liability consequences.

New account fraud is up, too, according to Javelin, with incidence rates up 20%.