# Michigan — Gift card expiration, fee and cash-redemption rules by state

For Michigan, expiration rule is shall not sell a gift certificate to a consumer that expires within a period of less than 5 years; dormancy/service fee rule is shall not charge an inactivity fee or other service fee to a consumer for the possession or use of a gift certificate (Mich. Comp. Laws § 445.903f, companion section); cash redemption threshold is none; covered instruments is A person engaged in the retail sale of goods or services; statute citation is Mich. Comp. Laws §§ 445.903f–.903g, recorded from its source on 2026-08-18.

- **State:** Michigan _(verified: appears in the quote below)_
- **Expiration rule:** shall not sell a gift certificate to a consumer that expires within a period of less than 5 years _(verified: appears in the quote below)_
- **Dormancy/service fee rule:** shall not charge an inactivity fee or other service fee to a consumer for the possession or use of a gift certificate (Mich. Comp. Laws § 445.903f, companion section) _(verified: appears in the quote below)_
- **Cash redemption threshold:** none _(verified: appears in the quote below)_
- **Covered instruments:** A person engaged in the retail sale of goods or services _(verified: appears in the quote below)_
- **Statute citation:** Mich. Comp. Laws §§ 445.903f–.903g _(our reading, not quoted from the source)_

## What the source says

> Sec. 3g. A person engaged in the retail sale of goods or services shall not sell a gift certificate to a consumer that expires within a period of less than 5 years.

## Source

- https://codes.findlaw.com/mi/chapter-445-trade-and-commerce/mi-comp-laws-445-903g/

Last verified: 2026-08-18. Review by: 2027-08-18.
Part of [Gift card expiration, fee and cash-redemption rules by state](https://referencesource.org/gift-card-consumer-protections-by-state/).