There is no connection between the Regulation E dispute process and gift cards, in spite of the fact that the gift card rules on disclosures and limits on fees find themselves within the regulation. Gift cards are not considered accounts for the purposes of Regulation E.
There is a modified error resolution or dispute process that applies to payroll card accounts.
General purpose re-loadable prepaid cards are not covered in any way by Regulation E. The CFPB has floated a trial balloon in the form of an Advance Notice of Proposed Rulemaking (ANPRM)
that could provide some Regulation E coverage. Comments
on the ANPRM closed on July 23, 2012. The Bureau may issue something now that it has issued major pieces of the Dodd-Frank final rules, but it may wait until after it finalizes the final rule on combining the front-end disclosures under RESPA and TILA.