Well I found the solution
MacOS writes the 11 character volume label to the correct offset in the partition boot sector of the SD Card.
Windows 7 (and probably other Win versions) writes a file to the volume root directory, and this file is given the VOLUME attribute.
The VOLUME file attribute is unique, and not the same as HIDDEN, READONLY, ARCHIVE, or any others.
The volume file doesn’t show up in a browser just because it's configured to show hidden files, since HIDDEN is an attribute of it’s own.
The name of the volume file that would normally be an 8.3 file name, can be interpreted as an 11 character ASCII string
that still needs a null termination for copy with sprintf or for display. I assume this file is otherwise useless.
Now I can display the volume label no matter what OS formatted or renamed the CD Card!
