Missouri generally follows the federal CARD Act baseline.
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 Missouri
Missouri follows the federal five-year minimum.
Dormancy and service fees in Missouri
Federal CARD Act limits apply.
Cash redemption for small balances
No state-mandated requirement.
Disclosure requirements
Federal Regulation E disclosures apply.
Unclaimed property and escheatment
Missouri's unclaimed property statute may apply with single-merchant exemptions.
Enforcement and penalties
The Missouri Attorney General's Office enforces consumer protection.
Recent updates
No material state-level 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.
Missouri compliance checklist
A short operational checklist for selling gift certificates in Missouri. Adapt with counsel before publishing your final policy.
- Set expiration to five years or none.
- Disclose fees at sale.
- Maintain redemption records.
Frequently asked questions about Missouri gift card law
Are St. Louis bars treated differently than retail?
No industry-specific carve-out in Missouri. Standard federal and state rules apply.
Related legal basics
- Do Gift Certificates Expire? — A practical overview of federal and state rules on gift certificate expiration, written in plain English.