Indiana follows the federal CARD Act baseline. State-specific gift card regulation is limited; unclaimed property treatment is the primary state concern.
Federal context
Under the federal Credit CARD Act of 2009 and its implementing Regulation E (12 CFR 1005.20), gift certificates and most general-use and store gift cards sold in the United States must remain valid for at least five years from the date of issuance or last load. Federal law also restricts dormancy, inactivity, and service fees: a fee can generally be charged only if the card has been inactive for at least 12 months, the fee is disclosed, and no more than one fee is charged per month. State laws may add stronger consumer protections on top of this federal floor.
For a deeper federal explainer, see our CARD Act overview.
Expiration rules in Indiana
Indiana defaults to the federal five-year minimum for gift certificate expiration.
Dormancy and service fees in Indiana
Federal CARD Act fee rules apply.
Cash redemption for small balances
No state-mandated cash redemption threshold.
Disclosure requirements
Federal Regulation E disclosures apply.
Unclaimed property and escheatment
Indiana's unclaimed property statute may reach gift card balances after defined dormancy periods, with single-merchant exemptions.
Enforcement and penalties
Enforcement is led by the Indiana Attorney General's Consumer Protection Division.
Recent updates
No material state-level statutory changes in the last 24 months.
Last reviewed: May 24, 2026. Statutes change. Verify the current text of the cited statute before acting on this summary.
Indiana compliance checklist
A short operational checklist for selling gift certificates in Indiana. Adapt with counsel before publishing your final policy.
- Set expiration to five years or none.
- Disclose any fees at sale.
- Maintain redemption records.
Frequently asked questions about Indiana gift card law
Are church or non-profit fundraising gift certificates treated differently?
Non-profit-issued certificates often have different treatment depending on the program structure. Consult Indiana counsel for non-profit-specific guidance.
Related legal basics
- Do Gift Certificates Expire? — A practical overview of federal and state rules on gift certificate expiration, written in plain English.