Federal Reserve Bank of Dallas. "Federal Reserve Proposes Rules to Restrict Fees and Expiration Dates on Gift Cards : Federal Register Notice, Notice 09-81," District Notices (Federal Reserve Bank of Dallas) (November 16, 2009). https://fraser.stlouisfed.org/title/5569/item/615836/content/pdf/frbdallas_circ_20091116_no2009-81_frnotice, accessed on March 11, 2026.