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State Gift Card / Gift Certificate Consumer Protection Laws

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(503) 378-4732
Justice Bldg., 1162 Court St., NE, Salem, OR 97301
Oregon Expiration- Effective January 1, 2008, the sale of a gift card that has an expiration date is prohibited unless the expiration date is disclosed, the card is sold at a cost below face value, and the card does not expire until at least 30 days after sale. (2007, Chapter 772)

(717) 787-3391
1600 Strawberry Square, Harrisburg, PA 17120
Pennsylvania Escheat – Gift certificates are deemed abandoned if unredeemed for two or more years after expiration or five years from issuance if no expiration is specified. Certificates without any fees or expiration date are exempt from these provisions. Pennsylvania Cons. Stat. tit. 72, § 1301 et seq.

Rhode Island:
(401) 274-4400
150 S. Main St., Providence, RI 02903
Rhode Island Expiration – It shall be unlawful for any person, firm, or corporation of any kind to charge additional monthly or annual service or maintenance fees on gift certificates or to limit the time for the redemption of a gift certificate or to place an expiration date upon the gift certificates. General Laws of Rhode Island 6-13-12
No gift certificate or any agreement with respect to such gift certificate may contain language suggesting that an expiration date may apply to the gift certificate. General Laws of Rhode Island 6-13-12
Redemption – A gift certificate issued by a business association that remains unredeemed for more than three (3) years after issuance is presumed abandoned. General Laws of Rhode Island 33-21.1-14(a).
In the case of a gift certificate, the amount presumed abandoned is the face amount of the certificate itself. General Laws of Rhode Island 33-21.1-14(b)
Gift Cards – Gift cards are covered under the definition of “gift certificate”. General Laws of Rhode Island 6-13-12

South Carolina:
(803) 734-3970
Rembert C. Dennis Office Bldg., P.O.Box 11549, Columbia, SC 29211-1549
South Carolina Expiration – No expiration less than one year from the date of purchase unless disclosed as specified. South Carolina Code Ann. § 39-1-55(B).
Fees – Fees prohibited unless disclosed as specified. South Carolina Code Ann. § 39-1-55(C).

South Dakota:
(605) 773-3215
1302 East Highway 14, Suite 1, Pierre, SD 57501-8501
South Dakota Escheat – Gift certificate unclaimed by owner for more than five years after becoming payable is deemed abandoned. South Dakota Cod. Laws Ann. § 43-41B-15.

(615) 741-5860
500 Charlotte Ave., Nashville, TN 37243
Tennessee Expiration – No expiration within two years of issuance; valid until redeemed or replaced if sold without a valid expiration date. Tennessee Code Ann. § 47-18-127.
Fees – Issuance fees prohibited; no service fees within two years of issuance. Tennessee Code Ann. § 47-18-127.

(512) 463-2100
Capitol Station, P.O.Box 12548, Austin, TX 78711-2548
Texas Expiration – Date must be disclosed as specified. Texas Bus. & Com. Code Ann. § 35.42.
Fees – Handling, access, and replacement fees may be charged. Reasonable dormancy fees may be assessed after the first anniversary of the initial sale. All fees must be disclosed as specified. Texas Bus. & Com. Code Ann. § 35.42.

(801) 538-9600
State Capitol, Rm. 236, Salt Lake City, UT 84114-0810
Utah Escheat – A gift certificate valued at more than $25 and unclaimed for 5 years is deemed abandoned. Utah Code Ann. § 67-4a-211.
The Utah Consumer Sales Practices Act (¶34,410) has been amended to make it a deceptive practice to issue a gift certificate with undisclosed expiration date or fee deduction provisions.
Vermont Expiration – Gift certificates shall be valid for not less than 3 years from the date of issuance. Certificates without a clearly marked or available expiration date are deemed to have no expiration date.

(802) 828-3173
109 State St., Montpelier, VT 05609-1001
Vermont Stat. Ann. tit. 8, § 2702.
Fees – Fees and service charges are prohibited. Vermont Stat. Ann. tit. 8, § 2703.

(804) 786-2071
900 E. Main St., Richmond, VA 23219
Virginia Expiration – Any gift certificate with an expiration date must include a statement containing the expiration date or a telephone number or internet address where the owner can obtain information regarding expiration. Virginia Code § 59.1-531.
Fees – Any gift certificate that loses value over time must include a telephone number or internet address where the owner can obtain information regarding this loss of value. Virginia Code § 59.1-531.

(360) 753-6200
1125 Washington St. SE, PO Box 40100, Olympia, WA 98504-0100
Washington Expiration – Expiration is prohibited unless no money was paid for the certificate or the certificate is for an artistic or cultural association and discloses this to the user. Revised Code of Washington 19.240.020(1); 19.240.030
Fees - Can enforce a dormancy or inactivity charge if: (1) disclosed as specified; (2) The remaining value of the gift card is $5 or less each time the charge is assessed; (3) The charge does not exceed $1 per month; (4) The charge can only be assessed when there has been no activity on the gift card for 24 consecutive months, including but not limited to, purchases, the adding of value, or balance inquiries; (5) The bearer may reload or add value to the gift card; and (6) After a dormancy or inactivity charge is assessed, the remaining value of the gift certificate is redeemable in cash
on demand. Revised Code of Washington 19.240.040
Redemption – If a purchase is made with a gift certificate for an amount that is less than the value of the gift certificate, the issuer must make the remaining value available to the bearer in cash or as a gift certificate at the option of the issuer. If after the purchase the remaining value of the gift certificate is less than five dollars, the gift certificate must be redeemable in cash for its remaining value on demand of the bearer. A gift certificate is valid until redeemed or replaced. Revised Code of Washington 19.240.020(3)
Disclosure – The expiration date must be disclosed clearly and legibly on any gift certificate described in § 19.240.030 through §19.240.070.
Gift Cards – Gift cards are covered under the definition of “gift certificate”. Revised Code of Washington 19.240.040(1)

West Virginia:
(304) 558-2021
State Capitol, 1900 Kanawha Blvd. , E., Charleston, WV 25305
West Virginia Escheat – Gift certificates are presumed abandoned 3 years after December 31 of the year sold. If redeemable for merchandise only, the amount abandoned is 60% of the certificate’s face value. West Virginia Code § 36-8-2(a)(7).

(608) 266-1221
State Capitol, Ste. 114 E., P.O.Box 7857, Madison, WI 53707-7857
Wisconsin No specific regulations.

(307) 777-7841
State Capitol Bldg., Cheyenne, WY 82002
Wyoming Escheat – Gift certificates greater than $100 in value are deemed abandoned if not redeemed within three years. The amount abandoned is the price paid for the certificate. Wyoming Stat. § 34-24-114.


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