Fears of data loss, identity theft and fraud are leaving American consumers on edge this holiday season, and they’re prepared to hold their financial institution responsible for the damages.

This is according to a new study released by Terbium Labs, which found that 68 percent of shoppers would hold their bank at least partly responsible for fraudulent activity, regardless of how the compromise occurred.

The blame game

Americans are on high alert heading into the busy holiday season, as 66 percent believe they could easily become a victim of fraud, while another 65 percent believe they are at a higher risk of having their financial information exposed as a result of their holiday shopping.