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

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Federal Gift Card Law

Cards Covered Under Federal Law

Federal Gift Card Law: Expiration Dates

Federal Gift Card Law: Post-sale Fees

Exceptions to Federal Law

Federal Gift Card Law vs. State Gift Card Law

Store Issued Gift Card Impact

Current State Law

Federal Law

Impact of Federal Law

Bank Issued Gift Card Impact

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