There's a couple different terms of issuance, based on the different states' political climate. There's "May Issue" which I gather is based upon the requestor proving they need to carry concealed, "Shall Issue" where all the individual has to do is prove he's had training and a background check, and No Issuance where it's illegal for civilians to carry. Most states have reprocity honoring other states CHLs.
Here in Texas a CHL requires 10 hours of training and a background check. Texas seems to be the most expensive, a Concealed Handgun License runs $140 for the initial CHL, good for 5 years. Renewal runs $70 per 5 years. (Veterans get 1/2 price). It's also legal to carry a loaded handgun in your vehicle. It's an extension of the "Castle Doctrine", under the belief your vehicle is an extension of your home.
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