Gift cards aren't necessarily the best gift, as we recently pointed out. Recipients may forget to use them. Worse, some gift cards, especially bank-issued cards (including many with the name of a mall or store on them) decline in value due to fees. Although many states have banned or limited the fees, the national bank regulator known as the OCC (our warning site OCCWatch) has aided and abetted bank lawsuits seeking to overturn state laws restricting gift card fees as they apply to bank-issued cards. Now comes the OCC press release: OCC Reminds Consumers to Read Gift Cards' Fine Print because of fees and expiration dates, which largely only occur on bank-issued cards. With regulators like these, who create the problem and then issue the warning about the problem, who needs enemies?