Abstract: System and method for providing an address verification response associated with a financial presentation device being used to conduct a transaction with a merchant. The system includes a memory storing addresses of holders of financial presentation devices and a date corresponding to a last change of address associated with each financial presentation device, and an address verification program which is operable to receive a request from the merchant to verify an address associated with the financial presentation device; determine a temporal indicator identifying a time period since a holder of the financial presentation device last changed the address; and provide the determined temporal indicator with the address verification response to the merchant.