# Commercial Law (GCL)

## Title 14. Miscellaneous Consumer Protection Provisions

### Subtitle 49. Gift Card Fraud

#### Section 14-4904

The Division shall:

(1) Create a model notice regarding open- and closed-loop gift cards for use by merchants that:

  (i) Cautions a consumer about gift card scams;

  (ii) Instructs a consumer on what to do if the consumer suspects the consumer may be a victim of a gift card scam; and

  (iii) Indicates a gift card may not be used to pay debt;

(2) Issue guidelines regarding the detection and prevention of open- and closed-loop gift card fraud that include:

  (i) Information that raises public awareness about gift card fraud;

  (ii) Information about how common gift card fraud schemes work; and

  (iii) Best practices for a merchant to prevent gift card fraud; and

(3) Make available online and periodically update the model notice and guidelines required under this section.

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Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)