North Dakota Cash Advance Loans

Many states have formulated laws to safeguard consumers inside gift card industry. A while back, businesses were selling gift cards, and not clearly disclosing expiration dates and costs which are related to gift card inactivity, etc...

Rate of North Dakota Loan:

The state laws are actually around for a long time, and there haven't really been any major changes with this sector of consumer law, but it is always a surprise to come into exposure to firms that still aren't following rules. Either they do not know the laws in their particular state, or they think that consumers won't challenge them on it. This list should serve to both educate businesses and consumers.

Take note that there is some controversy on perhaps the state laws apply to in which the gift card was issued or the place that the gift card is getting used specially when the organization operates in many states. In general, it's assumed how the law pertains to the location where the gift card was issued unless the business enterprise only operates in a single state, and you still have your gift card shipped for you in another state. In that case, you need to assume that this laws of the state in which the business operates apply.

Arkansas
o No expiration date within the first two years.
o No fees for 2 years. Any fees after two year period have to be printed clearly on front or back of card in no less than 10 point font.
o Covers gift cards useable at single store or chain.
o Does not cover cards connected to accounts usable with multiple unaffiliated merchants or prepaid calling cards.

California
o No expiration dates no fees, with one exception.
o Permits a per month fee only once the credit card has an account balance of or less, the credit card may be unused for 48 months, and the card is reloadable.
o Covers gift cards in a single store or chain. Multiple-use gift cards are not covered.
o Any card using a cash worth of or less could possibly be redeemed for cash.

Connecticut
o No expiration dates.
o No fees.

Florida
o No expiration dates.
o No fees.
o Does not cover cards connected to accounts usable with multiple unaffiliated merchants.

Hawaii
o No expiration for 2 years.
o No fees.
o Covers any electronic card using a ed dollar value.

Illinois
o No expiration date for five years.
o No fees.
o Does not include cards usable with multiple merchants.

Iowa
o No fees unless there is a contract.

Kansas
o No expiration for five years.
o No fees for just one year.
o Does not cover prepaid cards.

Kentucky
o No expiration within first year.
o No fees.
o Does not include prepaid calling cards or cards associated with accounts usable with multiple unaffiliated merchants or ATMs.

Louisiana
o No expiration dates for five years.
o No service fees, except for any one-time handling fee of .
o Covers cards issued to be redeemed in goods or services provided with the card seller.

Maine
o No expiration dates.
o No fees except for transaction fee for initial issuance or adding value to existing card which should be disclosed in separate writing before purchase.
o Does not cover prefunded cards.
o Cards with an initial worth of or less; or rewards or refund cards with or less after redemption could possibly be redeemed in cash.

Maryland
o No expiration dates for four years.
o No fees for four years.
o Any conditions and terms has to be printed clearly in 10 point type about the card, on the sticker affixed to the card or in the envelope containing the card.
o Does not cover prepaid calling cards or prepaid cards.

Massachusetts
o No expiration dates for 7 years.
o Cards with a remaining balance of or less might be redeemed in cash.
o Does not include prepaid calling cards or any electronic cards usable with multiple unaffiliated merchants.

Michigan
o No expiration dates for five years.

Minnesota
o No expiration dates.
o No fees.
o Does not include atm cards or other legal access devices used to access a first deposit account, prepaid calling cards, cards associated with accounts usable with multiple unaffiliated merchants.

Montana
o No expiration dates.
o No fees.
o If original value of gift card was greater than , and remaining value is less than , can redeem for cash.
o Does not cover prepaid telecommunications or technology cards or gift cards usable with multiple sellers.

Nevada
o Expiration or fees allowed as long as properly disclosed.
o No fees within newbie no fees that exceed per month.
o Covers only single retailers.
o Does not cover prepaid telecommunications or technology cards.

New Hampshire
o No expiration for cards of 0 or less.
o No expiration sooner than date funds escheat to state for cards over 0.
o No fees.

New Jersey
o No expiration for 2 years.
o No dormancy fee for a couple of years from date of sale or two years from most recent activity or transaction.
o No dormancy fee may be over .
o Expiration date and/or dormancy fee has to be printed on card, package or sales receipt and include a toll free number to require information.
o Does not include prepaid calling or technology card, or prepaid cards.

New Mexico
o No expiration for five years.
o No fees.
o Covers cards with single retailer or affiliated merchants.
o Does not cover prepaid calling cards or cards associated which has a deposit, checking, savings or similar account at the for debiting such account.

North Carolina
o Fees being conspicuously disclosed on card at period of purchase.
o No fees for first year.
o Covers prepaid calling cards.
o Does not cover cards usable at multiple unaffiliated merchants.

North Dakota
o No expiration for six years.
o No fees.
o Covers prepaid calling cards.
o Does not cover cards usable at multiple, unaffiliated merchants or cards connected to accounts.

Ohio
o No expiration for two years
o No fees for just two years.
o Does not cover prepaid calling cards or cards usable with multiple unaffiliated merchants.

Oklahoma
o No expiration and no fees for five years, with one exception.
o Permits a per month fee not until the credit card has an account balance of or less, the card continues to be unused for 48 months, the credit card is reloadable along with the fee is correctly disclosed.
o Covers cards with single retailer or affiliated merchants.
o Does not cover prepaid calling cards or any prepaid service.

Oregon
o No expiration dates.
o No fees with one exception-if card is sold below face value and doesn't expire until 30 days following the date of sale and card has printed "expires on" or "expiration date" with all the date of expiration.
o Does not include prepaid calling cards, prepaid commercial mobile radio services, or cards usable with multiple merchants.

Pennsylvania:
o Expires after 24 months if unredeemed or after five years from date of purchase if no redemption period specified.
o Covers cards with single retailer or affiliated merchants.
o "Qualified gift certificates" usually do not expire and do not need fees.
o Does not cover flexible spending accounts or cards usable with multiple affiliated merchants or ATMs.

Rhode Island
o No expiration dates.
o No fees.
o Covers prepaid cross country telephone service cards.
o Does not cover prepaid wireless telephone service cards.

South Carolina
o No expiration dates for first year, unless expiration date is on front of card in capitalized letters in 10 point font.
o Fees permitted but has to be disclosed on certificate, envelope, covering or receipt.

Tennessee
o No expiration dates for just two years.
o No fees for 2 years.
o Does not cover prepaid calling cards or cards usable with multiple, unaffiliated merchants.

Texas
o No fees for first year.
o Expiration or fees and also other terms has to be clearly and conspicuously disclosed at period of purchase. The expiration date and charges has to be legibly printed on the card.
o Does not cover prepaid calling cars or stored value cards issued by a federally insured financial institution.

Utah
o No expiration date otherwise printed or information is not included.
o No fees or even printed or information isn't included.
o Expiration and costs should be printed in readable manner on instrument, packaging or record.

Vermont
o No fees for 3 years.
o No fees, except a licensed money transmitter, standard bank or may charge a one-time issuance fee of either or 10%, whichever is smaller.
o Does not cover access device such as being a debit card or other access means to some consumer's account regularly maintained in a to get into funds in order to initiate an electronic funds transfer from your account.

Washington
o Permits a per month fee only once the card has a balance of or less, the charge card continues to be unused for 48 months, the credit card is reloadable, and is disclosed on card in at least 6 point font.
o Covers gift cards with a single store or chain.
o Does not cover multiple-use gift cards, or cards usable with multiple unaffiliated merchants.

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