明尼苏达州禁止多数礼品卡过期和收费以保护消费者。 Minnesota bans most gift card expiration and fees to protect consumers.

明尼苏达州法律禁止多数礼品卡过期或收取宿舍费,确保许多礼品卡无限期有效。 Minnesota law prohibits most gift cards from expiring or charging dormancy fees, ensuring many remain valid indefinitely. 例外包括银行签发的贺卡、奖赏、促销、回扣、雇员奖励和贴现筹款卡,如果明确披露,这些贺卡可能有收费或过期日期。 Exceptions include bank-issued cards, reward, promotional, rebate, employee incentive, and discounted fundraising cards, which may have fees or expiration dates if clearly disclosed. 该规则有助于保护消费者避免失去未使用卡的价值,解决普遍关切的问题,因为近三分之二的美国人在全国持有未使用礼品卡。 The rule helps protect consumers from losing value on unused cards, addressing widespread concerns as nearly two-thirds of Americans hold unused gift cards nationwide.