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Down the Rabbit Hole: An Adventure in the Wonderland of Stored-Value Card Regulation

This article tracks the development of the SVC industry to provide a historical context for its rise and an understanding of the present state of the industry. Present SVC legislation is evaluated, and the role of state legislatures, Congress, federal regulatory agencies, and the courts in the its creation is considered. In exploring present regulation, the article focuses on the problems with consumer protection statutes and regulations, and then turns to the challenges of creating legislation that adequately protects national security by limiting criminal and terrorist activity. Subsequently, the potentially negative influence of private lawmaking by payment networks on enacting effective legislation is addressed. Finally, the article explains why effective federal legislation is critical in establishing domestic and foreign policy.