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Gift Card Ratings
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Federal Gift Card Law

The Credit CARD Act of 2009 was signed into law on May 22, 2009. While the majority of the Act pertains to credit cards, the act also addressed changes to how federal law regulates gift cards. The federal laws went into effect on August 22, 2010.

Every state is impacted: Below is ScripSmart's comparison between federal gift card law vs. state gift card law along with a summary of the federal gift card law.

Cards Covered Under Federal Law

  • Store issued gift cards (physical/plastic, electronic/email )
  • Bank issued gift cards (Visa, MasterCard, American Express, Discover)

Federal Gift Card Law: Expiration Dates

  • Gift card funds may not expire before 5 years
  • If a gift card is reloadable, any funds added to the card must remain valid for a full 5 years

Federal Gift Card Law: Post-sale Fees

  • All fees must be clearly disclosed on the card or the card's packaging
  • Post-sale fees may be imposed only if the card has not been used for 1 year or more
  • Only one post-sale fees may be charged per month
  • Card Replacement fees are not allowed for card which expire, but funds have not expired (typically bank issued gift cards).
  • Lost or stolen gift card replacement fees are allowed.

Exceptions to Federal Law

The federal law excludes the following cards:

  • Reloadable prepaid debit cards not intended for gift giving purposes
  • Promotional or rewards cards given away for free by the issuer may expire in one year or have fees prior to one year.
Additional Resources

For more information, review State Gift Card Law vs. Federal Gift Card Law matrix below, visit the Federal Reserve's gift card website or review the full text of the Credit CARD Act of 2009

Federal Gift Card Law vs. State Gift Card Law

A C D F G H I K L M N O P R S T U V W

Alabama

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Alaska

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Arizona

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Arkansas

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 2 years
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 3 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees for at least 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

California

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees for at least 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Colorado

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Connecticut

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store Issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Delaware

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

District of Columbia

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Florida

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Georgia

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Hawaii

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued Gift cards may not expire before 5 years
  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • State law matches federal law, no impact on bank issued gift cards
  • Bank issued gift cards may not charge post-sale fees for at least 5 years
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • State law exceeds federal law, no impact on bank issued gift cards

Idaho

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Illinois

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Indiana

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Iowa

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Kansas

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees for at least 1 year
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law matches federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Kentucky

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 1 year
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 4 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Louisiana

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Maine

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Maryland

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 4 years
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 1 year of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees for at least 4 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Massachusetts

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 7 years
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Michigan

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Minnesota

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Mississippi

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Missouri

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Montana

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Nebraska

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Nevada

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees for at least 1 year
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law matches federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

New Hampshire

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

New Jersey

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 2 years
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 3 years of protection before store issued gift cards expire
  • Post-sale fees may be charged after 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

New Mexico

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

New York

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Post-sale fees may be charged after 1 year
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law matches federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

North Carolina

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees for at least 1 year
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law matches federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

North Dakota

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 6 years
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Ohio

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 2 years
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 3 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees for at least 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Oklahoma

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Post-sale fees may be charged after 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Oregon

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Pennsylvania

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Rhode Island

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

South Carolina

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

South Dakota

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Tennessee

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 2 years
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 3 years of protection before store issued gift cards expire
  • Store issued gift cards may not charge post-sale fees for at least 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Texas

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Utah

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Vermont

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may not expire before 5 years
  • Store issued gift cards may not expire before 5 years
  • State law matches federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued Gift cards may not expire before 5 years
  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • State law matches federal law, no impact on bank issued gift cards
  • Bank issued gift cards may not charge post-sale fees for at least 5 years
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • State law exceeds federal law, no impact on bank issued gift cards

Virginia

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Washington

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards never expire
  • Store issued gift cards may not expire before 5 years
  • State law exceeds federal law, no impact on store issued gift cards
  • Store issued gift cards may not charge post-sale fees for at least 2 years
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • State law exceeds federal law, no impact on store issued gift cards

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

West Virginia

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Wisconsin

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee

Wyoming

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Store issued gift cards may expire at any time
  • Store issued gift cards may not expire before 5 years
  • Consumers gain 5 years of protection before store issued gift cards expire
  • Store issued gift cards have no limits on post-sale fees
  • Store issued gift cards may charge post-sale fees after 1 year of card inactivity
  • Consumers gain 1 year of protection before store issued gift cards may impose a post-sale fee

Bank Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

  • Bank issued gift cards have no limits on post-sale fees
  • Bank issued gift cards may mot expire before 5 years
  • Consumers gain 5 years of protection before bank issued gift cards expire
  • Bank issued gift cards may expire at any time
  • Bank issued gift cards may not impose post-sale fees for at least 1 year
  • Consumers gain 1 year of protection before bank issued gift cards may impose a post-sale fee
Heads up! ScripSmart attempts to make all information is accurate and up-to-date. ScripSmart is only a guideline and does not provide definitive statements of the law. If you have questions about the law's application to a particular case, direct them to a specialist.
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