Pre-paid cards & Gift cards Fact sheet for Direct Express cards Consumer Reports highlights gift card pitfalls Fact sheet on state gift card protection laws CU estimates that 23.3 million Americans haven't used last year's gift cards Consumer groups seek clear federal deposit insurance coverage for funds backing payroll cards Consumer groups call on Federal Reserve Board to protect funds on emergency benefits payments cards Letter to Congress seeking support of the "Fair Gift Card Act" Watch out for holiday gift card fees California Bans Most Service Fees on Gift Certificates