Crypto ATM laws and limits by state

“For a new consumer, an operator shall not accept transactions of more than one thousand United States dollars ($1,000) in cash, or the equivalent amount of foreign currency or cryptocurrency, in one calendar day, or ten thousand United States dollars ($10,000) in cash, or the equivalent amount of foreign currency or cryptocurrency in a calendar month, from the same consumer, regardless of whether the consumer uses one or multiple kiosks in the state.” Source

“For an existing consumer, an operator shall not accept transactions of more than ten thousand five hundred United States dollars ($10,500) in cash, or the equivalent amount of foreign currency or cryptocurrency, in one calendar day.” Source

“If a new consumer has been fraudulently induced to engage in a cryptocurrency kiosk transaction and has completed the requirements of subdivision (2), the operator shall issue a full refund for the fraudulently induced transaction, as well as all fees incurred through the transaction.” Source

“If an existing consumer has been fraudulently induced to engage in a cryptocurrency kiosk transaction and has completed the requirements of subdivision (2), the operator shall issue a refund for one-half of the value of the transaction, including all fees incurred through the transaction.” Source

“a. Contact the operator not more than 60 calendar days after the cryptocurrency kiosk transaction. b. Contact a law enforcement agency, as well as the commission, not more than 60 calendar days after the transaction. c. File a report with a law enforcement agency or the commission regarding the fraudulently induced transaction.” Source

“A consumer who has been determined to be a victim of fraud is eligible to receive a refund regardless of whether an operator provided the disclosures prescribed in subsection (c) and the receipt required in subsection (d).” Source

“All operators headquartered in the United States shall provide live, United States-based, toll-free consumer service at all times. Operators shall prominently display the consumer service phone number on the cryptocurrency kiosk or on the kiosk screen during the transaction.” Source

“WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE. TRANSACTIONS IN CRYPTOCURRENCY ARE IRREVERSIBLE.” Source

“Each disclosure shall appear separately on the kiosk, and both disclosures must be accepted by the consumer before the transaction may be executed.” Source

“At the completion of each transaction, the operator shall provide the consumer who made the transaction a physical or digital receipt that contains all of the following information:” Source

“NEW CONSUMER. A consumer who is engaging in a transaction at a cryptocurrency kiosk in this state for the first time or who is within the 30-day period immediately after engaging in his or her first cryptocurrency kiosk transaction.” Source

“The exchange rate clearly showing the difference between the market price of the cryptocurrency and the price of the cryptocurrency charged to the consumer.” Source

“If a consumer attempts to transact with a virtual wallet that is detected to be associated or affiliated with fraud or other criminal activity, the kiosk shall not execute the transaction.” Source

“An operator shall provide enhanced due diligence protections for consumers who are 60 years of age or older. The commission shall adopt rules, pursuant to Section 8-7A-26, to implement this requirement.” Source

“An operator shall not share a kiosk with any financial institution and shall not use any signage that makes the cryptocurrency kiosk appear to be affiliated with or represented by any financial institution.” Source

“An operator shall not permit the buying, selling, or sending of privacy coins from cryptocurrency kiosks or online platforms in any capacity.” Source

“A virtual currency kiosk operator may not accept transactions totaling more than $1,000, or the equivalent in virtual currency, from a user in one calendar day.” Source

“A virtual currency kiosk operator may not accept transactions totaling more than $10,000, or the equivalent in virtual currency, from a user in a 30-day period.” Source

“The limits in this section apply to all products offered by a virtual currency kiosk operator. The use of alternative products, including online purchasing or over-the-counter platforms, may not be employed to circumvent or exceed the limits in this section.” Source

“For cases related to fraud, a virtual currency kiosk operator shall issue a refund to a user in the full amount of all transactions paid by the user at the time of the transaction, including transaction charges, regardless of any acknowledgment the user may have made before finalizing the transactions. This refund must be paid in the originating currency.” Source

“(2) informed the virtual currency kiosk operator of the fraudulent nature of the transaction or transactions at issue within 90 days after the last transaction or within 90 days after the user became aware of the fraud, whichever is later; and (3) within 120 days after contacting the virtual currency kiosk operator, submitted to the virtual currency kiosk operator a police report, report by the department, or a sworn statement detailing the fraudulent nature of the transaction.” Source

“A virtual currency kiosk operator may not collect fees from a user for a transaction that total more than 10 percent of the transaction value in United States dollars or the equivalent in virtual currency.” Source

“A virtual currency kiosk operator shall provide live customer service during operating hours, including the hours between 8:00 a.m. and 10:00 p.m. Alaska time. A customer service toll-free number must be displayed on the virtual currency kiosk or the virtual currency kiosk screen.” Source

“WARNING: this technology can be used to defraud you. If someone asked you to deposit money in this machine or is on the telephone with you and claims to be a friend or family member, government agent, computer software representative, bill collector, law enforcement officer, or anyone you do not know personally IMMEDIATELY STOP THIS TRANSACTION and contact your local law enforcement and the kiosk operator. This may be a scam. NEVER SEND MONEY to someone you don't know;” Source

“A virtual currency kiosk operator shall post a conspicuous written warning in plain view of the virtual currency kiosk providing notice to users that criminals may direct victims of fraud or scams to send money by way of virtual currency kiosks. This warning must include the virtual currency kiosk operator's toll-free customer service telephone number.” Source

“After the completion of each transaction, the virtual currency kiosk operator shall provide users with paper and electronic receipts.” Source

“A virtual currency kiosk operator may not engage in a virtual currency kiosk transaction or hold itself out as being able to engage in virtual currency kiosk transactions with or on behalf of another person unless the virtual currency kiosk operator holds a money transmission license.” Source

“A virtual currency kiosk operator may not locate a virtual currency kiosk in the state unless the virtual currency kiosk operator registers with and obtains the prior approval of the department.” Source

“Virtual currency kiosk operators shall block transactions to virtual currency wallets associated with overseas exchanges that are inaccessible to users in the United States.” Source

“A virtual currency kiosk operator that violates AS 06.55.120 - 06.55.195 commits an unfair trade or deceptive act or practice in violation of AS 45.50.471.” Source

“Nothing in AS 06.55.120 - 06.55.195 may be interpreted to preempt or nullify a municipal ordinance that provides greater protections, requirements, or restrictions if the municipal ordinance does not directly conflict with AS 06.55.120 - 06.55.195.” Source

“A cryptocurrency kiosk operator may not accept transactions of more than $2,000 united states dollars in cash or the equivalent in virtual currency in one day from a new customer in this state through one or more cryptocurrency kiosks. For existing customers, a cryptocurrency kiosk operator shall ensure that the cryptocurrency kiosk does not, in connection with cryptocurrency services for a single person in this state using one or more cryptocurrency kiosks, accept or dispense in a single day more than $10,500.” Source

“If a new customer as defined in subsection L, paragraph 7 of this section has been fraudulently induced to engage in a cryptocurrency kiosk transaction, the cryptocurrency kiosk operator shall issue a full refund for the fraudulently induced cryptocurrency kiosk transaction, including any fees charged in association with the transaction, if the new customer does all of the following: 1. Contacts the cryptocurrency kiosk operator within thirty days after the cryptocurrency kiosk transaction. 2. Contacts a law enforcement agency or the attorney general within thirty days after the cryptocurrency kiosk transaction. 3. Provides the cryptocurrency kiosk operator with a report from the law enforcement agency or attorney general's office that determines that the new customer was fraudulently induced to engage in a cryptocurrency kiosk transaction.” Source

“A victim of fraud is eligible to receive a refund even if a cryptocurrency kiosk operator provides the required disclosures prescribed in subsections A and B of this section and the receipt prescribed in subsection C of this section.” Source

“All cryptocurrency kiosk operators performing business in this state shall provide live customer service at a minimum of twenty-four hours a day, seven days per week. The customer service toll-free number shall be prominently displayed on the cryptocurrency kiosk or the cryptocurrency kiosk screens.” Source

“Warning: Losses due to fraudulent or accidental transactions are not recoverable. Transactions in virtual currency are irreversible.” Source

“On the completion of each cryptocurrency kiosk transaction, the cryptocurrency kiosk operator shall provide the individual who made the transaction at the cryptocurrency kiosk with a physical or digital receipt in the language chosen by the individual that contains all of the following information:” Source

“"New customer" means a consumer transacting at a cryptocurrency kiosk in this state who has been a customer of a cryptocurrency kiosk operator for less than ten days.” Source

“Notwithstanding any other law, all individuals or entities subject to this section shall be classified as a new customer for the purposes of compliance on September 26, 2025. A new customer automatically converts to an existing customer ten days after becoming a new customer.” Source

“A cryptocurrency kiosk operator shall use blockchain analytics and tracing software to help prevent fraud by not sending purchased virtual currency from a cryptocurrency kiosk operator to a virtual wallet known to be affiliated with fraud at the time of a transaction.” Source

“The attorney general shall enforce this section. Any act or practice that violates this section is a violation of section 44-1522.” Source

“There are established the following maximum daily virtual currency kiosk transaction limits: (1) two thousand dollars for each new customer of a virtual currency kiosk; and (2) seven thousand five hundred dollars for each existing customer of a virtual currency kiosk.” Source

“The owner of a virtual currency kiosk or a virtual currency kiosk operator shall allow a new customer, upon the request of the new customer, to cancel and receive a full refund for any fraudulent virtual currency transactions that occurred not later than seventy-two hours after the new customer registered as a customer of the owner of the virtual currency kiosk or the virtual currency kiosk operator if, not later than fourteen days after the last virtual currency transaction that occurred during the seventy-two hour period, the new customer: (1) contacts the owner of the virtual currency kiosk or the virtual currency kiosk operator and a government or law enforcement agency to inform the owner of the virtual currency kiosk or the virtual currency kiosk operator and government or law enforcement agency of the fraudulent nature of the virtual currency transaction; and (2) files a report with a government or law enforcement agency memorializing the fraudulent nature of the virtual currency transaction.” Source

“The total amount of a fee and commission charged by an owner of the virtual currency kiosk or a virtual currency kiosk operator for a virtual currency transaction shall not exceed: (1) five dollars; or (2) eighteen percent of the amount of the virtual currency transaction.” Source

“offer, during the hours of operation of the virtual currency kiosks owned or operated by the owner of the virtual currency kiosk or the virtual currency kiosk operator, live customer support by telephone from a telephone number prominently displayed at or on the virtual currency kiosks;” Source

“identify and speak by telephone with an elder adult who is a new customer before the elder adult who is a new customer completes his or her first virtual currency transaction with the owner of the virtual currency kiosk or the virtual currency kiosk operator.” Source

“WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.” Source

“shall disclose to the customer in an easily readable manner that is in clear, conspicuous, and legible writing in English and in the language principally used by the licensee or authorized delegate to advertise, solicit, or negotiate, either orally or in writing, for a transaction conducted in person, electronically, or by phone, if other than English, using not less than twenty-four point sans-serif-type font, the terms and conditions of the virtual currency transaction.” Source

“the name and telephone number of the State Securities Department and a statement disclosing that the owner of the virtual currency kiosk's or the virtual currency kiosk operator's customers may contact the department with questions or complaints” Source

“a list of the applicant's proposed authorized delegates and the locations, including money transmission kiosks and virtual currency kiosks, located in this State where the applicant and its authorized delegates propose to engage in money transmission or provide other money services;” Source

“"New customer" means a consumer who: (A) is engaging in a transaction at a virtual currency kiosk in this state; and (B) has been registered for less than seventy-two hours as a customer of the: (i) owner of the virtual currency kiosk; or (ii) virtual currency kiosk operator.” Source

“obtain a copy of a government-issued identification card that identifies each customer of the owner of the virtual currency kiosk or the virtual currency kiosk operator;” Source

“An operator shall not accept or dispense more than one thousand dollars ($1,000) in a day from or to a customer via a digital financial asset transaction kiosk.” Source

“On or after January 1, 2025, an operator shall not collect charges, whether direct or indirect, from a customer related to a single digital financial asset transaction that exceed the greater of the following: (a) Five dollars ($5). (b) Fifteen percent of the United States dollar equivalent of digital financial assets involved in the transaction according to the publicly quoted market price of the digital asset on a licensed digital financial asset exchange at the time the customer initiates the transaction.” Source

““Charges” means either of the following: (1) Fees or expenses paid by the customer. (2) The difference between the current market price of the digital financial asset on a licensed digital financial asset exchange and the price of the digital financial asset charged to the customer.” Source

“On or after January 1, 2025, before a digital financial asset transaction, an operator shall provide a written disclosure in English and in the same language principally used by the operator to advertise, solicit, or negotiate with a customer containing the terms and conditions of the transaction ... (D) If an operator does not provide a method to reverse or refund a transaction, a warning that all transactions are final and cannot be undone.” Source

“An operator shall provide a customer with a receipt for any transaction made at the operator’s digital financial asset transaction kiosk that includes all of the following information: (1) The name of the customer. (2) The date and time of the transaction. (3) The name of the operator. (4) The amount of a digital financial asset involved in the transaction. (5) The amount of United States dollars involved in the transaction. (6) The amount, in United States dollars, of any fees collected by the operator in relation to the transaction. (7) The amount, in United States dollars, of any spread between the United States dollar price of the digital financial asset that is charged to the customer and the United States dollar price of the digital financial asset as listed by a licensed digital financial asset exchange. (8) The name of the licensed digital financial asset exchange the operator used to calculate the spread described in paragraph (7).” Source

“(a) On or after July 1, 2026, an operator shall comply with Section 3201 to the extent that the operator engages in digital financial asset business activity. (b) ... (1) On or after July 1, 2026, ensure that the person engaging in digital financial asset business activity via the digital financial asset transaction kiosk has a license pursuant to this division.” Source

“On or after July 1, 2026, a person shall not engage in digital financial asset business activity, or hold itself out as being able to engage in digital financial asset business activity, with or on behalf of a resident unless any of the following is true: (a) The person is licensed in this state by the department under Section 3203. (b) The person submits a completed application on or before July 1, 2026, and is awaiting approval or denial of that application.” Source

““Digital financial asset transaction kiosk” means an electronic information processing device that is capable of accepting or dispensing cash in exchange for a digital financial asset.” Source

“(a) An operator shall provide to the department a list of all locations of digital financial asset transaction kiosks that the operator owns, operates, or manages in this state. (b) An operator shall provide the department with updates to the list required by this section within 30 days of any changes. (c) The department shall make the list required by this section for each operator available to the public on the department’s internet website.” Source

“FOR A NEW CUSTOMER, THE MAXIMUM DAILY TRANSACTION LIMIT OF A VIRTUAL CURRENCY KIOSK IS TWO THOUSAND DOLLARS PER CUSTOMER.” Source

“FOR AN EXISTING CUSTOMER, THE MAXIMUM DAILY TRANSACTION LIMIT OF A VIRTUAL CURRENCY KIOSK IS TEN THOUSAND FIVE HUNDRED DOLLARS PER CUSTOMER.” Source

“THE OWNER OR OPERATOR OF A VIRTUAL CURRENCY KIOSK SHALL, AT THE EXPENSE OF THE OWNER OR OPERATOR, ALLOW A CUSTOMER TO CANCEL AND RECEIVE A FULL REFUND FOR A VIRTUAL CURRENCY TRANSACTION IF: (I) THE VIRTUAL CURRENCY TRANSACTION WAS THE CUSTOMER'S FIRST VIRTUAL CURRENCY TRANSACTION; (II) THE VIRTUAL CURRENCY TRANSACTION WAS TO A VIRTUAL CURRENCY WALLET OR EXCHANGE LOCATED OUTSIDE OF THE UNITED STATES; AND (III) WITHIN SIXTY DAYS AFTER THE VIRTUAL CURRENCY TRANSACTION, THE CUSTOMER CONTACTS THE OWNER OR OPERATOR OF THE VIRTUAL CURRENCY KIOSK AND A GOVERNMENT OR LAW ENFORCEMENT ENTITY REGARDING THE FRAUDULENT NATURE OF THE TRANSACTION AND SUBMITS PROOF OF THE FRAUD, SUCH AS A POLICE REPORT OR NOTARIZED DECLARATION” Source

“THE OWNER OR OPERATOR SHALL ISSUE A FULL REFUND WITHIN SEVENTY-TWO HOURS AFTER BEING NOTIFIED THAT THE VIRTUAL CURRENCY TRANSACTION WAS FRAUDULENT.” Source

“WARNING: THIS TECHNOLOGY CAN BE USED TO DEFRAUD YOU. IF YOU HAVE BEEN DIRECTED TO THIS MACHINE BY SOMEONE CLAIMING TO BE A GOVERNMENT AGENT, BILL COLLECTOR, LAW ENFORCEMENT OFFICER, OR ANYONE YOU DO NOT KNOW PERSONALLY, STOP THIS TRANSACTION IMMEDIATELY AND CONTACT YOUR FINANCIAL ADVISOR AND LOCAL LAW ENFORCEMENT.” Source

“THE DIFFERENCE IN THE VIRTUAL CURRENCY'S SALE PRICE VERSUS THE CURRENT MARKET PRICE” Source

“UPON THE COMPLETION OF A VIRTUAL CURRENCY TRANSACTION, THE OWNER OR OPERATOR OF A VIRTUAL CURRENCY KIOSK SHALL PROVIDE TO THE CUSTOMER AN ELECTRONIC RECEIPT CONTAINING THE FOLLOWING INFORMATION: (a) THE NAME OF AND CONTACT INFORMATION FOR THE OWNER OR OPERATOR, INCLUDING A TELEPHONE NUMBER ESTABLISHED BY THE OWNER OR OPERATOR TO ANSWER QUESTIONS AND REGISTER COMPLAINTS” Source

“"NEW CUSTOMER" MEANS A CUSTOMER TRANSACTING AT A VIRTUAL CURRENCY KIOSK IN COLORADO WHO HAS BEEN A CUSTOMER OF AN OWNER OR OPERATOR OF A VIRTUAL CURRENCY KIOSK FOR LESS THAN SEVEN DAYS.” Source

“There is established a maximum daily transaction limit of two thousand five hundred dollars for each customer of a virtual currency kiosk.” Source

“There are established the following maximum daily virtual currency kiosk transaction limits: (1) Two thousand dollars for each new customer of a virtual currency kiosk; and (2) Five thousand dollars for each existing customer of a virtual currency kiosk.” Source

“The owner or operator of a virtual currency kiosk shall allow a new customer, upon the request of the new customer, to cancel and receive a full refund for any fraudulent virtual currency transactions that occurred not later than seventy-two hours after the new customer registered as a customer of such owner or operator if, not later than thirty days after the last virtual currency transaction that occurred during such seventy-two hour period, the new customer: (1) Contacts such owner or operator and a government or law enforcement agency to inform such owner or operator and government or law enforcement agency of the fraudulent nature of such virtual currency transaction; and (2) Files a report with a government or law enforcement agency memorializing the fraudulent nature of such virtual currency transaction.” Source

“The total amount of any fee and commission charged by an owner or operator of a virtual currency kiosk for a virtual currency transaction shall not exceed fifteen per cent of the amount of the virtual currency transaction.” Source

“Offer, during the hours of operation of the virtual currency kiosks owned or operated by such owner or operator, live customer support by telephone from a telephone number prominently displayed at or on such virtual currency kiosks” Source

““WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.”” Source

“Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked.” Source

“The name and telephone number of the Department of Banking and a statement disclosing that the licensee's customers may contact the department with questions or complaints about the licensee's virtual currency services” Source

“On and after October 1, 2024, any person who owns, operates, solicits, markets, advertises or facilitates virtual currency kiosks in this state shall be deemed to be engaged in the business of money transmission in this state and shall be subject to licensure pursuant to sections 36a-595 to 36a-612, inclusive.” Source

““New customer” means a consumer who (A) is engaging in a virtual currency transaction with a licensee, (B) has performed fewer than three virtual currency transactions with the licensee, and (C) has been registered as a customer of such licensee for less than seventy-two hours.” Source

“Identify and speak by telephone with any new customer over sixty years of age prior to such new customer completing such new customer's first virtual currency transaction with such owner or operator.” Source

“Use an established third party that specializes in performing blockchain analyses to preemptively perform such analyses to identify and prevent high risk or sanctioned virtual currency wallets from being used by customers at virtual currency kiosks owned or operated by such owner or operator” Source

“For any transaction that utilizes a virtual currency kiosk, the applicable daily virtual currency transaction limit established pursuant to subsection (h) of this section” Source

“A virtual currency kiosk business may not permit a new customer to transact more than $2,000 per calendar day, whether through a single transaction or multiple transactions or whether through one or more virtual currency kiosks. A virtual currency kiosk business may not permit an existing customer to transact more than $10,000 per calendar day, whether through a single transaction or multiple transactions or whether through one or more virtual currency kiosks.” Source

“A virtual currency kiosk business must issue a full refund within 72 hours to a customer for the customer’s first virtual currency transaction if all of the following conditions are met: (1) Within 60 days, the customer notifies the virtual currency kiosk business and a law enforcement or governmental agency regarding the fraudulent nature of the transaction. (2) The customer provides proof of the alleged fraud to the virtual currency kiosk business, such as a police report or a notarized affidavit.” Source

“WARNING: FRAUD OFTEN STARTS WITH CONTACT FROM A STRANGER. IF YOU HAVE BEEN DIRECTED TO THIS MACHINE BY SOMEONE CLAIMING TO BE A GOVERNMENT AGENT, BILL COLLECTOR, LAW ENFORCEMENT OFFICER, OR ANYONE YOU DO NOT KNOW PERSONALLY, STOP THIS TRANSACTION IMMEDIATELY AND CONTACT YOUR FINANCIAL ADVISOR OR LOCAL LAW ENFORCEMENT.” Source

“The name and contact information of the virtual currency kiosk business, including an e-mail address and a toll-free telephone number for such business.” Source

“Except as provided in subsection (2), a virtual currency kiosk business may not operate in this state without first registering, or renewing its registration, in accordance with s. 560.603.” Source

““New customer” means a customer who has transacted with a kiosk business on its virtual currency kiosk for fewer than 7 days.” Source

“(a) There is established an aggregated maximum daily transaction limit of $2,500.00 for each new customer for transactions initiated at a virtual currency kiosk.” Source

“(b) There is established an aggregated maximum daily transaction limit of $10,000.00 for each existing customer for transactions initiated at a virtual currency kiosk.” Source

“(1) A new customer for the full amount of all transactions initiated at a virtual currency kiosk within the new customer time period upon request of the new customer. In order to receive a refund under this paragraph, a new customer shall: (A) Have been defrauded, fraudulently induced, or otherwise deceived to engage in the virtual currency transactions; and (B) Contact the operator and a government or law enforcement agency to inform them of the complained of activity within five days of the last transaction to occur during the new customer time period.” Source

“(2) A new or existing customer for the full amount of fees initiated at a virtual currency kiosk if the customer has been defrauded, fraudulently induced, or otherwise deceived to engage in the virtual currency transactions.” Source

“(b) If the conditions of paragraphs (1) and (2) of subsection (a) of this Code section have been satisfied, the operator shall issue such refund to the customer within 72 hours of the request.” Source

“The total amount of any fee, commission, spread, or other charges related to a transaction initiated at a virtual currency kiosk shall not exceed 18 percent of the amount of the fiat currency exchanged or transmitted.” Source

“Offer during the hours of operation of the virtual currency kiosks timely live customer support by telephone from a telephone number prominently displayed at or on such virtual currency kiosks. During such communication, which shall be recorded and maintained by the operator for not less than five years” Source

“'WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.'” Source

“(7) Virtual currency transactions are irreversible and are frequently used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved ones, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency, alleging a customer's personal computer has been hacked, or perpetuating or conducting a romance scam” Source

“using not less than 24 point sans-serif font, the terms and conditions of the virtual currency transaction, including, but not limited to, the following: (1) The amount of the transaction; (2) Any fees, expenses, and charges borne by the customer, including, but not limited to, any applicable exchange rates; (3) The type and nature of the virtual currency transaction; (4) A warning that, once executed, the virtual currency transaction is irreversible, if applicable; (5) A daily virtual currency transaction limit in accordance with this part; and (6) The difference in the sale price of the virtual currency compared with the current market price.” Source

“(1) The name of and contact information for the operator, including, but not limited to, the operator's business address and a customer service telephone number established by the operator to answer questions and register complaints; ... (13) A statement of the refund policy of the operator; (14) The email address of the department and a statement disclosing that the operator's customers may contact the department with questions or complaints about the operator's virtual currency kiosk services” Source

“(A) Receiving money or monetary value for transmission or transmitting money or monetary value within the United States or to locations abroad by any and all means, including, but not limited to: ... (v) A virtual currency kiosk as defined in Code Section 7-1-699;” Source

“07/01/2026 Effective Date | 05/11/2026 Act 478 | 05/11/2026 House Date Signed by Governor” Source

“'New customer' means a consumer who: (A) Is engaging in a virtual currency transaction at a virtual currency kiosk in this state; and (B) Has been registered as a customer of such operator for less than 72 hours. (3) 'New customer time period' means the first 72 hours after a consumer becomes a new customer of a virtual currency kiosk.” Source

“(2) Maintain restrictions that prevent more than one customer of such operator from using the same virtual currency wallet; (3) Be able to prevent designated virtual currency wallets from being used at any virtual currency kiosk owned or operated by such operator; (4) Regularly use an established third party that specializes in performing blockchain analyses” Source

“(a) Beginning October 1, 2026, it shall be an unlawful practice under this chapter for an operator to own, operate, or manage in the State a digital financial asset transaction kiosk that accepts United States currency from a customer in exchange for a digital financial asset.” Source

“This is to inform you that on July 9, 2026, the following bill was signed into law: H.B. NO. 1642, H.D. 1, S.D. 1, C.D. 1 RELATING TO CONSUMER PROTECTION. ACT 224” Source

“(b) Nothing in this section shall prohibit an operator from owning, operating, or managing in the State a digital financial asset transaction kiosk that accepts a digital financial asset from a customer in exchange for: (1) A different digital financial asset; or (2) United States currency.” Source

“(c) Each transaction in violation of subsection (a) shall be a separate offense.” Source

“"Digital financial asset transaction kiosk" means an electronic information processing device that is capable of accepting or dispensing United States currency by means of credit card or cash in exchange for a digital financial asset.” Source

“Any person who violates this chapter shall be deemed to have engaged in an unfair method of competition and unfair or deceptive act or practice in the conduct of any trade or commerce within the meaning of section 480-2.” Source

“A digital asset kiosk operator shall not accept or dispense more than $2,500 or equivalent monetary value in a day from or to the same new customer through a digital asset kiosk.” Source

“A digital asset kiosk operator shall not accept or dispense more than $10,500 or the equivalent monetary value in a day from or to any existing customer through a digital asset kiosk.” Source

“A digital asset kiosk operator must issue a refund to a new customer for the full amount for up to 3 fraudulent transactions made within the new customer period, upon request of the customer. To receive a refund under this subsection, a new customer must: (1) have been fraudulently induced to engage in a transaction or transactions involving the digital asset kiosk; (2) within 30 days after the last transaction to occur during the new customer period, contact the digital asset kiosk operator to inform them of the fraudulent nature of the transaction or transactions at issue; and (3) within 60 days after the last transaction to occur during the new customer period, submit a police report or government agency report of the transaction or transactions to the digital asset kiosk operator.” Source

“A digital asset kiosk operator must issue a refund to an existing customer for the full amount of all charges upon request of an existing customer. To receive a refund under this subsection, an existing customer must: (1) have been fraudulently induced to engage in a transaction or transactions involving the digital asset kiosk; (2) within 30 days after the transaction or transactions at issue, contact the digital asset kiosk operator to inform them of the fraudulent nature of the transaction or transactions at issue; and (3) within 60 days after the transaction or transactions at issue, submit a police report or government agency report of the transaction or transactions to the digital asset kiosk operator.” Source

“A digital asset kiosk operator may not, directly or indirectly, collect charges from a customer related to a single digital asset kiosk transaction that exceeds the greater of the following: (1) $5; or (2) 18% of digital assets involved in the transaction according to the market price of the digital asset at the time the customer initiates the transaction.” Source

“All digital asset kiosk operators performing business in this State must provide live customer service during kiosk operating hours. The customer service toll-free number must be displayed on the digital asset kiosk or on the digital asset kiosk screen.” Source

“A warning written prominently in bold type stating the following: "Warning: Losses due to fraudulent or accidental transactions may not be recoverable and transactions are irreversible except as otherwise set forth in this disclosure.".” Source

“A digital asset kiosk operator shall provide a customer with a receipt for any transaction made at the digital asset kiosk operator's digital asset kiosk that includes all of the following information:” Source

“If and only if Senate Bill 1797 of the 104th General Assembly, as amended by House Amendment No. 1, becomes law, then Sections 15, 20, 50, 55, 60, 65, 70, 75, 85, 90, 105, 115, 120, and 125 of this Act are repealed on the date that Senate Bill 1797 of the 104th General Assembly becomes law.” Source

“"New customer" means a person who has never previously transacted with the operator. The new customer shall remain defined as such during the earlier of: (i) the customer's first 3 transactions after opening an account with the operator, or (ii) 7 days after opening an account with the operator.” Source

“All digital asset kiosk operators must use blockchain analytics software to help prevent transactions to wallets known to be affiliated with fraudulent activity at the time of a transaction and to detect transaction patterns indicative of fraud or other illicit activities.” Source

“A digital asset kiosk operator shall provide to the Department a list of all physical addresses of digital asset kiosks that the digital asset kiosk operator owns, operates, or manages in this State, in a form prescribed by the Department.” Source

“A claim of violation of Sections 25, 30, and 45 of this Act may be asserted in a civil action. Additionally, a prevailing resident may be awarded reasonable attorney's fees and court costs.” Source

“A person shall not engage in digital asset business activity, or hold itself out as being able to engage in digital asset business activity, with or on behalf of a resident unless the person is registered in this State by the Department under this Article, or the person is exempt from registration pursuant to Section 1-10.” Source

“A covered person engaging in digital asset business activity without a registration under this Act shall not be considered in violation of Section 15-5 or 5-25 until July 1, 2027.” Source

“Sec. 8. A person may not operate a virtual currency kiosk in Indiana.” Source

“Sec. 2. As used in this chapter, "operate", with regard to a virtual currency kiosk, means to use the virtual currency kiosk to remotely conduct or facilitate virtual currency transactions through the virtual currency kiosk: (1) on behalf of users of the virtual currency kiosk; and (2) for compensation by a user of the virtual currency kiosk in the form of charges assessed to the user.” Source

“(b) The attorney general may bring an action under subsection (a) against the following: (1) The operator of a virtual currency kiosk that gives rise to a violation of this chapter. (2) The owner of the premises on which the virtual currency kiosk is located, if the owner knowingly or intentionally permitted the violation described in subdivision (1).” Source

“(1) That the person forfeit and pay to the state the amount of any charges that were collected by the person from users of the virtual currency kiosk or kiosks during the period in which the person operated the virtual currency kiosk or kiosks in violation of this chapter. (2) That the person forfeit to the state any virtual currency kiosk that is owned by the person and located in Indiana.” Source

“An operator shall not, via a digital financial asset transaction kiosk, accept from a consumer or dispense to a consumer more than one thousand dollars per calendar day.” Source

“In the thirty calendar days following a new consumer’s first financial asset transaction with a particular operator, the operator shall not, via a digital financial asset transaction kiosk, accept from the new consumer or dispense to the new consumer more than ten thousand dollars.” Source

“Upon the request of a new consumer, an operator shall issue to the consumer a refund for the full amount of all digital financial asset transactions that the consumer made during the thirty-calendar-day period that the consumer was a new consumer if all of the following circumstances exist: a. The new consumer was fraudulently induced to engage in the digital financial asset transaction for which the consumer is requesting a refund. b. The consumer has contacted the operator and a government or law enforcement agency to report the fraudulent nature of the digital financial asset transaction within ninety calendar days of the last digital financial asset transaction to occur while the consumer was a new consumer. c. The consumer has submitted proof of the fraud to the operator, including but not limited to a police report or sworn declaration detailing the fraudulent nature of the digital financial asset transaction.” Source

“Upon the request of an existing consumer, an operator shall issue to the existing consumer a refund for the full amount of all digital financial asset transactions that the existing consumer made if all of the following circumstances exist: a. The existing consumer was fraudulently induced to engage in the digital financial asset transaction for which the consumer is requesting a refund. b. The existing consumer has contacted the operator and a government or law enforcement agency to report the fraudulent nature of the digital financial asset transaction within ninety calendar days of the digital financial asset transaction for which the consumer is requesting a refund.” Source

“An operator shall not directly or indirectly collect charges related to a digital financial asset transaction from a consumer that exceed the greater of the following: a. Five dollars. b. Fifteen percent of the United States currency equivalent of the digital financial assets involved in the digital financial asset transaction” Source

“An operator shall provide live customer service a minimum of Monday through Friday between the hours of 8:00 a.m. and 10:00 p.m. The customer service toll-free telephone number shall be displayed on the digital financial asset transaction kiosk.” Source

“WARNING: CONSUMER FRAUD OFTEN STARTS WITH CONTACT FROM A STRANGER WHO IS INITIATING A DISHONEST SCHEME. ... IF YOU BELIEVE YOU ARE BEING SCAMMED, CALL YOUR LOCAL LAW ENFORCEMENT. WARNING: TRANSACTIONS CONDUCTED ON THIS DIGITAL FINANCIAL ASSET TRANSACTION KIOSK ARE IRREVERSIBLE. PROTECT YOURSELF FROM FRAUD. NEVER SEND MONEY TO SOMEONE YOU DO NOT KNOW.” Source

“Prior to entering into a digital financial asset transaction with a consumer, an operator shall require the consumer to attest to receiving the disclosure required under paragraph “a”.” Source

“For any digital financial asset transaction made at an operator’s digital financial asset transaction kiosk, the operator shall provide the consumer with a receipt. When possible, the receipt shall be a physical receipt.” Source

““New consumer” means an individual who has not previously engaged in a digital financial asset transaction with a particular operator. An individual shall continue to be considered a new consumer for a period of thirty calendar days after the individual makes their first digital financial asset transaction with a particular operator.” Source

“An operator shall designate and employ a compliance officer who meets all of the following requirements:” Source

“Civil penalties in an amount not more than ten thousand dollars for each violation of this section.” Source

“according to the prevailing market value of such digital financial asset at the date and time the consumer initiates the digital financial asset transaction” Source

“1A. License required. Any digital financial asset kiosk operator who owns, operates, solicits, markets, advertises, or facilitates a digital financial asset kiosk in this state shall be deemed to be engaged in the business of money transmission and must obtain a license under section 533C.301.” Source

“t. It shall be an unlawful practice for a person to violate section 533C.1004.” Source

“(1) For the initial transaction, up to $1,000; (2) within 14 days of the initial transaction, up to $1,000 per day and only one transaction within 72 hours of the initial transaction, and a maximum of $10,000 in total transactions within the first 14 days of the initial transaction; and (3) more than 14 days from the initial transaction, up to $10,500 per day.” Source

“For any initial transaction, or any transaction within 14 days of the initial transaction, upon the request of any person in Kansas, the commissioner, the attorney general or any law enforcement agency, the virtual currency kiosk operator shall issue a refund for the full money transmission amount and any fees charged, including any spread fee, if the person in Kansas: (1) Reports that a money transmission or a series of money transmissions was fraudulent to the commissioner, the attorney general or a law enforcement agency within 30 calendar days after the date of the last fraudulent money transmission; and (2) submits to such virtual currency kiosk operator a police report or a sworn declaration detailing the fraudulent nature of the money transmission involving such virtual currency kiosk operator.” Source

“A virtual currency kiosk operator shall not collect direct or indirect charges related to a virtual currency transaction from a person in Kansas that exceed the greater of the following: (1) $5 in United States currency or the equivalent; or (2) 18% of the full money transmission amount in United States currency or the equivalent.” Source

“All virtual currency kiosk operators performing business in this state shall provide live customer service during kiosk operating hours. The customer service toll-free number shall be displayed on the virtual currency kiosk or the virtual currency kiosk screens.” Source

“WARNING: CONSUMER FRAUD OFTEN STARTS WITH CONTACT FROM A STRANGER WHO IS INITIATING A DISHONEST SCHEME. CRIMINAL ACTIVITY MAY APPEAR IN MANY FORMS, INCLUDING, BUT NOT LIMITED TO, THE FOLLOWING: ... IF YOU BELIEVE YOU ARE BEING SCAMMED, CONTACT YOUR LOCAL LAW ENFORCEMENT.” Source

“The receipt required by subsection (d) shall be provided in paper form if the virtual currency kiosk operator first placed a virtual currency kiosk into service in Kansas on or after July 1, 2026. If a virtual currency kiosk was placed into service before July 1, 2026, the virtual currency kiosk operator shall provide a paper or digital receipt.” Source

“Any virtual currency kiosk operator who owns, operates, solicits, markets, advertises or facilitates virtual currency kiosks in this state shall be deemed to be engaged in money transmission and require licensure pursuant to K.S.A. 2025 Supp. 9-564, and amendments thereto, and fully comply with money transmitter reporting.” Source

“Each virtual currency kiosk operator shall retain, hold and safekeep any money or virtual currency provided as part of a transaction with a person in Kansas for 72 hours for any transaction with a person that is conducted within 14 days of the initial transaction.” Source

“For each virtual currency transaction, the virtual currency kiosk operator or such operator's authorized delegate shall verify the identity of the user prior to accepting payment from such user.” Source

“(a) Have maximum virtual currency kiosk transaction limits that do not exceed: 1. Two thousand dollars ($2,000), or the equivalent in virtual currency, per day for all virtual currency kiosk transactions entered with a virtual currency kiosk user; and 2. Ten thousand five hundred dollars ($10,500), or the equivalent in virtual currency, for all virtual currency kiosk transactions entered with a new virtual currency kiosk user;” Source

“1. Wait seventy-two (72) hours before processing a virtual currency kiosk transaction for a new virtual currency kiosk user; or 2. At the operator's cost, allow a new virtual currency kiosk user to cancel, and receive a full refund for, a virtual currency kiosk transaction within seventy-two (72) hours after the transaction;” Source

“upon request of a virtual currency kiosk user, a virtual currency kiosk operator and its agents shall issue a refund of all virtual currency kiosk charges to the user for each virtual currency kiosk transaction that satisfies all of the following: 1. The user was fraudulently induced to engage in the transaction; 2. The user reported the fraud within ninety (90) days of the transaction to: a. The operator or agent; and b. One (1) of the following: i. The department; ii. The Attorney General; or iii. Any relevant state or local law enforcement agency; and 3. The user submitted proof of the fraud to the operator or agent and the person referenced in subparagraph 2.b. of this paragraph, which may include one (1) of the following: a. A police report; or b. A sworn statement” Source

“(c) Not collect, directly or indirectly, virtual currency kiosk charges from a virtual currency kiosk user for any single virtual currency kiosk transaction that exceeds the greater of: 1. Five dollars ($5); or 2. Eighteen percent (18%) of the value, in United States dollars, of the transaction;” Source

“(d) Provide live customer service via a toll-free telephone number during the operating hours of each virtual currency kiosk in this state;” Source

“"WARNING: This technology can be used to defraud you. If someone asked you to deposit money in this machine and/or is on the phone with you and claims to be a: - Friend or family member; - Government agent; - Computer software representative; - Bill collector; - Law enforcement officer; or - Anyone you do not know personally; STOP THIS TRANSACTION IMMEDIATELY and contact your local law enforcement and the virtual currency kiosk operator. This may be a scam. NEVER SEND MONEY to someone you don't know."” Source

“Each virtual currency kiosk user shall be provided the option to receive a paper or electronic receipt for each virtual currency kiosk transaction.” Source

“A person shall not engage in virtual currency kiosk business in this state without: 1. A license; and 2. First obtaining, for each: a. Agent, the written approval of the commissioner to designate the agent to engage in virtual currency kiosk business in this state on behalf of the person; and b. Location at which the person, or an agent of the person, engages in virtual currency kiosk business in this state:” Source

“"New virtual currency kiosk user": 1. Means a virtual currency kiosk user: a. On the day of the user's first virtual currency kiosk transaction with the virtual currency kiosk operator; and b. For twenty-nine (29) calendar days thereafter;” Source

“Political subdivisions of this Commonwealth may enact and enforce ordinances, regulations, and resolutions pertaining to virtual currency kiosk business that are not in direct conflict with state law.” Source

“A virtual currency kiosk operator and its agents shall block a virtual currency kiosk transaction to a virtual currency wallet that is associated with overseas exchanges that are not accessible for virtual currency kiosk users in the United States.” Source

“A. There is a maximum daily transaction limit of three thousand dollars for each user of a virtual currency kiosk.” Source

“B. The owner or operator of a virtual currency kiosk shall wait seventy-two hours before processing a user's virtual currency kiosk transaction or shall, at such owner's or operator's cost and within seventy-two hours after a virtual currency kiosk transaction, allow the user to cancel and receive a full refund for the virtual currency kiosk transaction.” Source

“The owner or operator of a virtual currency kiosk shall post on each kiosk in clear, conspicuous, and legible writing in the English language a notice with at least twenty-point font that reads: "WARNING: No state or government official will ever request that cash be deposited into a Crypto ATM. Call your local sheriff or police department before putting cash into this machine if you believe you might be the victim of fraud or a scam."” Source

“any person who owns, operates, solicits, markets, advertises, or facilitates a virtual currency kiosk in this state shall be deemed to be engaged in virtual currency business activity in this state and shall be subject to the provisions of this Chapter, including but not limited to licensure pursuant to R.S. 6:1385.” Source

“The Enhanced Due Diligence Policy shall identify at minimum individuals who are at risk of fraud based on age or mental capacity.” Source

“Notwithstanding the provisions of Paragraph (1) of this Subsection or any other provision of law to the contrary, the owner or operator of a virtual currency kiosk shall, at the owner or operator's cost, allow the user to cancel and receive a full refund for a virtual currency kiosk transaction at any time if the owner or operator was not licensed in accordance with the provisions of this Chapter at the time of the transaction.” Source

“For a refund request for suspected fraudulent activity, an owner or operator may require a user to provide proof of a police report or other governmental entity report of the suspected fraudulent activity and proof of identification. Submitting either a police report or proof of a complaint submitted to the Internet Crime Complaint Center to the owner or operator of a virtual currency kiosk shall constitute suspected fraudulent activity.” Source

“Each virtual currency kiosk owner or operator shall offer, during the hours of operation of the virtual currency kiosk, live customer support by telephone from a toll-free number prominently displayed on the virtual currency kiosk.” Source

“Upon completion of any transaction, each licensee shall provide to the resident, both in paper and electronic form, a receipt containing all of the following information:” Source

“The resident's right to contact the office of financial institutions with complaints or questions about the virtual currency kiosk operator's services. The licensee shall include in this disclosure the telephone number for the office of financial institutions.” Source

“Each virtual currency kiosk owner or operator shall submit quarterly reports to the commissioner of all cancellation and refund requests made by residents pursuant to the provisions of this Section.” Source

“A virtual currency kiosk operator may not accept or dispense more than $1,000 in a day from or to a customer via a virtual currency kiosk owned by the operator.” Source

“A virtual currency kiosk operator shall issue a refund to a customer for the full amount of all transactions made within 90 days of the customer's first virtual currency kiosk transaction with the virtual currency kiosk operator including any transaction charges collected under subsection 2. To receive a refund under this subsection, a customer must: A. Have been induced to engage in the virtual currency kiosk transactions by fraud or by an unfair, deceptive or abusive practice; and B. Within one year of the last transaction induced by fraud or by an unfair, deceptive or abusive practice, file a report with a government or law enforcement agency that includes a sworn statement attesting to the details of the fraud or unfair, deceptive or abusive practice and information sufficient to identify the virtual currency kiosk transactions subject to a refund pursuant to this subsection.” Source

“A virtual currency kiosk operator may not collect charges, whether direct or indirect, from a customer related to a single virtual currency kiosk transaction that exceed the greater of: A. Five dollars; and B. Three percent of the United States dollar value of the transaction.” Source

“Before entering into a virtual currency kiosk transaction for, on behalf of or with a person, a virtual currency kiosk operator shall disclose in a clear, conspicuous and easily readable manner all material risks generally associated with virtual currency kiosk transactions, including the risk of fraud or loss and the exchange rates charged by the virtual currency kiosk operator for the purchase and sale of the virtual currency involved in the transaction.” Source

“At the option of a customer, a virtual currency kiosk operator shall provide the customer with a paper or electronic receipt for any transaction made at a virtual currency kiosk” Source

“A virtual currency kiosk operator must be licensed as a money transmitter pursuant to the Maine Money Transmission Modernization Act unless exempt pursuant to sections 6074 and 6075.” Source

“Any waiver of rights under this subchapter by a customer is void.” Source

“C. May not operate as a virtual currency kiosk as defined in section 6164, subsection 3 unless the virtual currency kiosk operator is licensed as a money transmitter pursuant to section 6165.” Source

“accept or dispense in a single day an amount of cash, including value downloaded through prepaid access, as defined in § 12–401 of this title, or the equivalent in credit that exceeds: (1) For a new user, $2,000; or (2) For an experienced user, $10,500.” Source

“(2) Shall refund any fee imposed on a transaction that is verified as fraudulent in a manner established by the Commissioner through regulation.” Source

“(2) A User must provide a Notice of Fraud to an Operator no more than 90 calendar days after the alleged Fraudulent Transaction.” Source

“(1) May not impose a fee in excess of the greater of: (i) $5; or (ii) 15% of the amount of a virtual currency service transaction;” Source

“A virtual currency operator shall maintain live customer support that, at a minimum, is: (1) Reachable by telephone at a toll–free number; and (2) Available Monday through Friday between 8 a.m. and 6 p.m.” Source

““WARNING: losses due to fraudulent or accidental virtual currency transactions may not be recoverable and transactions in virtual currency are irreversible. Virtual currency transactions may be used by scammers impersonating loved ones, threatening jail time, and insisting you withdraw money from your bank account to purchase virtual currency.”” Source

“(d) At the end of a virtual currency transaction, the virtual currency kiosk operator shall dispense or display a receipt that includes:” Source

“(a) Beginning January 1, 2026, a virtual currency kiosk operator shall register a virtual currency kiosk with the Commissioner before operating the virtual currency kiosk in the State.” Source

“(c) “New user” means a person that is transacting with a virtual currency kiosk operator: (1) For the first time; or (2) Anytime in the 72 hours immediately following the person’s first transaction with the virtual currency kiosk operator.” Source

“(c) A virtual currency kiosk operator shall collect the following information from a person before accepting cash or credit in connection with a virtual currency service from the person:” Source

“(2) A PERSON WHO INSTALLS OR OPERATES SOFTWARE THAT ENABLES A STAND–ALONE AUTOMATED DEVICE TO PROVIDE VIRTUAL CURRENCY SERVICES IN THE STATE.” Source

“(a) Beginning August 1, 2026, a person is prohibited from installing, operating, maintaining, or making available for use a virtual currency kiosk. (b) On or before December 31, 2026, a virtual currency kiosk operator must remove the virtual currency kiosk from any location where the virtual currency kiosk is visible or accessible to the public.” Source

“On or before December 31, 2026, a virtual currency kiosk operator that conducts virtual currency transactions exclusively through a virtual currency kiosk must pay out any money or virtual currency held for or owed to a new or existing customer that exists as a result of virtual currency kiosk transactions.” Source

“Paragraph (a) is effective August 1, 2026. Paragraph (b) is effective January 17, 2027.” Source

“"Virtual currency kiosk" means an electronic terminal acting as a mechanical agent or a person acting on behalf of the virtual currency kiosk operator to enable the virtual currency kiosk operator to facilitate the exchange of virtual currency for money, bank credit, or other virtual currency” Source

Minn. Stat. § 53B.75 (2024) and § 53B.69 subds. 3a-3c, 10-13 (2024). Replaced by the law above. Its rules are shown for transactions made while it was in force.

New customers (customer for less than 72 hours) were limited to $2,000 per day; existing-customer limits were left to the operator. REPEALED effective August 1, 2026. Source

New customers fraudulently induced in their first 72 hours: the operator must pay back all those transactions in full if, within 14 days of the last such transaction, the customer contacted both the operator and a government or law enforcement agency. Remains in force until January 17, 2027. Source

Bold, separately acknowledged on-screen warning about irreversibility and scams (repealed effective August 1, 2026). Source

Physical or emailed/SMS receipt with operator contact details including a phone number for questions and complaints, transaction hash, fees, exchange rate and refund policy (repealed effective August 1, 2026). Source

Kiosk operators had to be licensees under Minnesota's money transmission chapter (operator defined as a licensee). Source

New customer = customer of the operator for less than 72 hours (definition repealed effective January 17, 2027). Source

“A virtual currency kiosk operator shall not accept transactions of more than One Thousand Dollars ($1,000.00) per day in cash or the equivalent in virtual currency for new customers and Seven Thousand Five Hundred Dollars ($7,500.00) per day in cash or the equivalent in virtual currency for existing customers.” Source

“A virtual currency kiosk operator shall hold the funds received in the first virtual currency kiosk transaction by a new customer in a non-interest-bearing account for a period of ninety-six (96) hours before completing the transaction, and the new customer may not carry out another transaction during the ninety-six-hour holding period.” Source

“Upon the request of a customer, a virtual currency kiosk operator shall issue a refund to a new customer for the full amount of all transactions made within the fourteen-day new customer time period. In order to receive a refund under this subsection (2), a new customer must have: (a) Been fraudulently induced to engage in the virtual currency transactions; (b) Contacted both the virtual currency kiosk operator and a government or law enforcement entity to inform them of the fraudulent nature of the transaction agency within ninety (90) days of the last transaction to occur during the fourteen-day new customer time period; and (c) Submitted proof of the fraud incident, such as a police report or sworn declaration detailing the fraudulent nature of the transaction or transactions.” Source

“All virtual currency kiosk operators shall offer, during the hours of operation of the virtual currency kiosks owned or operated by the virtual currency kiosk operator, live customer support by telephone from a toll-free telephone number prominently displayed at or on the virtual currency kiosk.” Source

“IF YOU BELIEVE YOU ARE BEING SCAMMED, CALL A LOCAL LAW ENFORCEMENT OFFICER BEFORE ANY TRANSACTION. WARNING: FUNDS LOST DUE TO USER ERROR OR FRAUD MAY NOT BE RECOVERABLE. TRANSACTIONS CONDUCTED ON THIS VIRTUAL CURRENCY KIOSK ARE IRREVERSIBLE.” Source

“A virtual currency kiosk operator, upon the completion of a virtual currency transaction, shall provide to the customer a receipt, in both physical (paper) and electronic (email or SMS) form,” Source

“A virtual currency kiosk operator may not engage in virtual currency kiosk activity or hold itself out as being able to engage in such activity with or on behalf of another person without having first obtained a license under the Money Transmission Modernization Act, Section 75-16-1 et seq.” Source

“"New customer" means an individual who has never previously transacted with the virtual currency kiosk operator. The new customer shall remain defined as such during the fourteen-day period after the first virtual currency kiosk transaction with the virtual currency kiosk operator.” Source

“If the customer enters a name in response to the request in paragraph (a)(i) of this subsection (5), or responds with "yes" or with a similar affirmative answer to any question asked under paragraph (b) of this subsection (5): (i) The transaction shall be declined and voided upon completion of the questions;” Source

“If the virtual currency kiosk operator determines, through live screening or automated monitoring, that a customer who is an elder adult is on the phone or using a headset during the virtual currency kiosk transaction: (a) The virtual currency kiosk transaction must be immediately halted and voided;” Source

“All virtual currency kiosk operators performing business in this state shall provide live customer service at a minimum on Monday through Friday between the hours of 8:00 a.m. and 10:00 p.m. The customer service toll free number shall be displayed on the virtual currency kiosk or the virtual currency kiosk screens.” Source

“Customer Notice. Please Read Carefully. Did you receive a phone call from your bank, software provider, the police, or were you directed to make a payment for social security, utility bill, investment, warrants, or bail money at this kiosk? STOP Is anyone on the phone pressuring you to make a payment of any kind? STOP I understand that the purchase and sale of cryptocurrency is a final irreversible and non-refundable transaction. I confirm I am sending funds to a wallet I own or directly have control over.” Source

“Upon completion of any virtual currency kiosk transaction, each virtual currency kiosk operator shall provide to a customer a digital or physical receipt containing the following information: (1) The name and contact information of the virtual currency kiosk operator, including a telephone number established by the virtual currency kiosk operator to answer questions and register complaints;” Source

“Any virtual currency kiosk operator who owns, operates, solicits, markets, advertises, or facilitates virtual currency kiosks in this state shall be deemed to be engaged in money transmission and require licensure pursuant to sections 361.900 to 361.1035.” Source

“The "Enhanced Due Diligence Policy" shall identify, at minimum, individuals who are at risk of fraud based on age or mental capacity.” Source

“A controllable electronic record kiosk operator shall not accept transactions in a day in connection with controllable electronic record kiosk transactions for a single customer in this state via one or more controllable electronic record kiosks exceeding: (1) For new customers, two thousand United States dollars or the equivalent in controllable electronic records; or (2) For existing customers, ten thousand five hundred dollars or the equivalent in controllable electronic records.” Source

“(1) If a new customer has been fraudulently induced to engage in a controllable electronic record kiosk transaction and contacts the controllable electronic record kiosk operator and a law enforcement agency or government agency to inform the operator and agency of the fraudulent nature of the transaction within thirty days after the transaction, then, upon request of the customer, the operator shall issue a full refund for the fraudulently induced controllable electronic record transaction, including fees charged in association with the transaction. (2) If an existing customer has been fraudulently induced ... within thirty days after the transaction, then, upon request of the customer, the operator shall issue a full refund for the fees charged in association with the transaction.” Source

“The aggregate fees and charges, directly or indirectly, charged to a customer related to a single transaction or series of related transactions involving controllable electronic records effected through a controllable electronic record kiosk in this state, including any difference between the price charged to a customer to buy, sell, exchange, swap, or convert controllable electronic records and the prevailing market value of such controllable electronic records at the time of such transaction, shall not exceed eighteen percent of the value of the United States dollars involved in the transaction or transactions.” Source

“All controllable electronic record kiosk operators performing business in the state shall, at a minimum, provide live customer service on Monday through Friday between the hours of 7:00 a.m. and 9:00 p.m. via a toll-free telephone number. The telephone number shall be displayed on the controllable electronic record kiosk or the kiosk screens.” Source

“IF YOU BELIEVE YOU ARE BEING SCAMMED, CALL YOUR LOCAL LAW ENFORCEMENT AGENCY. WARNING: TRANSACTIONS CONDUCTED ON THIS CONTROLLABLE ELECTRONIC RECORD KIOSK ARE IRREVERSIBLE. PROTECT YOURSELF FROM FRAUD. NEVER SEND MONEY TO SOMEONE YOU DON'T KNOW.” Source

“Upon the completion of a controllable electronic record kiosk transaction, the controllable electronic record kiosk operator shall provide the customer with a receipt in the language chosen by such customer. The receipt shall be physical where possible.” Source

“A controllable electronic record kiosk operator shall not engage in controllable electronic record kiosk transactions or hold itself out as being able to engage in such transactions with or on behalf of another person unless the kiosk operator has a license issued under the Nebraska Money Transmitters Act.” Source

“(11) Existing customer means an individual whose first controllable electronic record kiosk transaction with the controllable electronic record kiosk operator was more than fourteen days prior; (12) New customer means an individual during the fourteen-day period after such individual's first transaction with the controllable electronic record kiosk operator that the individual has never previously transacted with.” Source

“All controllable electronic record kiosk operators shall use blockchain analytics software to assist in the prevention of sending purchased controllable electronic records from an operator to a controllable electronic record wallet known to be affiliated with fraudulent activity at the time of a transaction.” Source

“Controllable electronic record kiosk transaction includes, but is not limited to, a transaction made at a controllable electronic record kiosk (a) to purchase controllable electronic records with United States dollars, (b) to sell controllable electronic records for United States dollars, or (c) to fund a stored value account, which, at the time the stored value account is funded or thereafter, offers the ability to purchase a controllable electronic record and is utilized to purchase a controllable electronic record;” Source

“I. An operator shall not accept or dispense, in the aggregate, more than $2,000 per customer per calendar day across all kiosks under common control within the United States.” Source

“(a) Hold the first digital asset transaction made by a customer for a period of at least 48 hours, after which time the operator may complete the customer's digital asset transaction. ... II. During a hold period under subparagraph I(a), a customer may contact the operator to request that the customer's first digital asset transaction be canceled and the entire amount of the customer's first digital asset transaction be returned or refunded to the customer.” Source

“VI. The digital asset transaction kiosk operator shall provide a full refund of all transactions to a customer who was fraudulently induced to engage in a digital asset kiosk transaction or transactions, provided that the customer contacts the digital asset kiosk operator and a law enforcement or government agency to inform the operator and the agency of the fraudulent nature of the transaction or transactions within 14 days after the customer’s last digital asset transaction with the digital asset transaction kiosk operator. The refund shall include any fees charged in association with the fraudulently induced transactions.” Source

“IV. Before accepting funds, kiosks shall disclose in writing and on-screen all fees, the spread between the operator’s price and the reference price, expressed as a percentage and dollar amount, and the total digital asset expected to be delivered.” Source

“II. Before accepting funds, all kiosks shall display conspicuous warnings, including that no government agency, law enforcement, court, utility, bank, tech support, employer, or retailer will ever demand payment by crypto ATM. The kiosk shall require the customer to answer fraud-screening prompts, including whether they are being coached by another person. If the customer indicates a risk of fraud, the kiosk shall block the transaction and display law enforcement and consumer protection and antitrust bureau contact information.” Source

“V. The kiosk shall provide a printed and electronic receipt summarizing the transaction, including the operator's name and toll-free live customer service phone number,” Source

“I. Any violation of this chapter shall constitute an unfair or deceptive act or practice within the meaning of RSA 358-A:2.” Source

“A virtual currency kiosk operator shall impose a daily transaction limit equivalent to the following dollar values for transmissions of virtual currency through one or more of the virtual currency kiosk operator's kiosks: (1) Two thousand dollars ($2,000) for a new virtual currency customer. (2) Five thousand dollars ($5,000) for an existing virtual currency customer.” Source

“The virtual currency kiosk operator shall refund the full dollar amount deposited into a kiosk if all of the following apply: a. The person reported the fraudulent nature of the transmission to the Commissioner within 30 days of the transmission. b. The Commissioner determined that the transaction was fraudulent in accordance with the Commissioner's established procedures. c. The person was a new virtual currency customer at the time of the transaction.” Source

“The virtual currency kiosk operator shall refund fees imposed by the operator if all of the following apply: a. The person reported the fraudulent nature of the transmission to the Commissioner within 30 days of the transmission. b. The Commissioner determined that the transaction was fraudulent in accordance with the Commissioner's established procedures. c. The person was an existing virtual currency customer at the time of the transaction.” Source

“The aggregate fees and charges directly or indirectly charged to a customer related to a single transaction or series of related transactions involving virtual currency effected through a virtual currency kiosk in this State, including the spread, shall not exceed twelve percent (12%) of the dollar equivalent of the virtual currency involved in the transaction or transactions.” Source

“Each virtual currency kiosk operator performing business in the State must, at a minimum, provide live customer service at all times that the operator's virtual currency kiosks are available for public use. The customer service toll-free number must be displayed on the virtual currency kiosk or the virtual currency kiosk screens.” Source

“Were you contacted by someone urging you to use this kiosk? If so, you may be the victim of a scam, and you should NOT PROCEED with the transaction.” Source

“Each fraud screen shall remain visible and non-interactive for not less than 10 seconds before the customer may select an option or proceed.” Source

“The receipt required under subsection (a) of this section shall be provided as a physical written receipt unless the customer requests to receive an electronic receipt.” Source

“Any virtual currency kiosk operator who owns, operates, solicits, markets, advertises, or facilitates virtual currency kiosks in this State is deemed to be engaged in money transmission and requires licensure under Article 16B of this Chapter.” Source

“New virtual currency customer. – A person that has no previous transactions with a licensee to transmit virtual currency or a person whose first transaction with a licensee to transmit virtual currency occurs within the past 30 days.” Source

“A virtual currency kiosk operator shall impose a 48-hour hold on all transactions initiated by a customer whose first transaction occurred within the past seven days.” Source

“A customer shall have the option to cancel any transaction and receive a full and immediate refund if the cancellation is done before the transaction is completed.” Source

“A kiosk operator shall not implement any feature, workflow, or device that enables a customer to access, authenticate, or log in to an account, wallet, or transaction interface through a QR code, barcode, or similar scan-based mechanism” Source

“Prohibiting the operation of virtual currency kiosks within the jurisdiction or any portion thereof.” Source

“It is unlawful for any person to facilitate or induce a fraudulent virtual currency kiosk transaction. Any person that violates this section is guilty of a Class 1 misdemeanor.” Source

“A virtual-currency kiosk operator may not accept transactions of more than two thousand dollars of cash or the equivalent in virtual currency per calendar day with a single customer in this state via one or more virtual-currency kiosks operated by the same virtual-currency operator.” Source

“A virtual-currency kiosk operator performing business in this state shall provide live customer service at a minimum on Monday through Friday between eight a.m. central time and ten p.m. central time. The customer service toll-free number must be displayed on the virtual-currency kiosk or the virtual-currency kiosk screens.” Source

“IF YOU BELIEVE YOU ARE BEING SCAMMED, CALL A LOCAL LAW ENFORCEMENT OFFICER BEFORE ANY TRANSACTION.” Source

“WARNING: FUNDS LOST DUE TO USER ERROR OR FRAUD MAY NOT BE RECOVERABLE. TRANSACTIONS CONDUCTED ON THIS VIRTUAL-CURRENCY KIOSK ARE IRREVERSIBLE.” Source

“After the completion of each transaction, the virtual-currency kiosk operator shall provide an individual with a choice of a physical or digital receipt secured with two-factor identification in the language chosen by the customer” Source

“A kiosk operator may not engage in virtual-currency business activity or hold itself out as being able to engage in virtual-currency business activity with or on behalf of another person unless the kiosk operator is licensed in this state as a money transmitter.” Source

“A virtual-currency kiosk operator shall use blockchain analytics software to assist in the detection and prevention of suspicious activity, including sending purchased virtual currency from a virtual-currency kiosk operator to a virtual-currency wallet known to be affiliated with fraudulent activity at the time of a transaction” Source

“A digital asset kiosk operator shall not accept transactions of more than Two Thousand Dollars ($2,000.00), or the equivalent in digital assets, in a single day in connection with digital asset kiosk transactions with a new customer in this state by one or more digital asset kiosks.” Source

“A digital asset kiosk operator shall issue a refund to a new customer for the full amount of all fraudulent transactions, including all transaction fees and charges that were charged to the customer pursuant to subsection I of this section, made while a new customer. To receive a refund under this section, a new customer shall have been fraudulently induced to engage in the digital asset transactions and shall contact the digital asset kiosk operator and the Office of the Attorney General to report the fraudulent nature of the transactions within fourteen (14) days of the last fraudulent transaction to occur while the customer was a new customer.” Source

“A digital asset kiosk operator shall issue a refund to an existing customer who qualifies under this paragraph for the full amount of all transaction fees and charges that were charged to the customer pursuant to subsection I of this section upon the request of the customer. To receive a refund under this paragraph, a customer shall have been fraudulently induced to engage in digital asset transactions and shall contact the digital asset kiosk operator and the Office of the Attorney General to report the fraudulent nature of the transaction within fourteen (14) days of the transaction.” Source

“shall not exceed fifteen percent (15%) of the United States dollar equivalent of the digital assets involved in the transaction or transactions.” Source

“All digital asset kiosk operators performing business in this state shall provide live customer service at a minimum Monday through Friday from 8:00 a.m. CST to 10:00 p.m. CST. The customer service toll-free number shall be displayed on the digital asset kiosk or the digital asset kiosk screens.” Source

“WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS ARE NOT RECOVERABLE AND TRANSACTIONS IN DIGITAL ASSETS ARE IRREVERSIBLE. DIGITAL ASSET TRANSACTIONS MAY BE USED TO STEAL YOUR MONEY BY CRIMINALS IMPERSONATING THE GOVERNMENT, ORGANIZATIONS, OR YOUR LOVED ONES.” Source

“Upon each transaction’s completion, the digital asset kiosk operator shall provide the customer with a receipt, in paper where possible, in the language chosen by the customer” Source

“Any customer who has been fraudulently induced to engage in digital asset transactions using a digital asset kiosk operated in violation of this subsection may file a civil suit against the digital asset kiosk operator for the amount of any losses sustained by the customer related to such digital asset transactions.” Source

““New customer” means an individual who has never previously transacted with a digital asset kiosk operator. The new customer shall remain defined as such during the seventy-two (72) hours after the first financial transaction with the digital asset kiosk operator” Source

“unless the digital asset kiosk operator is licensed in this state as a money transmitter pursuant to the Oklahoma Financial Transaction Reporting Act Oklahoma Money Transmission Modernization Act.” Source

“(a) For new customers a virtual currency kiosk operator shall not accept transactions of more than two thousand U.S. dollars ($2,000) a day of cash or the equivalent. (b) For existing customers, a virtual currency kiosk operator shall not accept transactions of more than five thousand U.S. dollars ($5,000) a day of cash or the equivalent. (c) The limits imposed by this section apply to a single customer without regard to the number of virtual currency kiosks utilized in the state.” Source

“Upon request of the customer, a virtual currency kiosk operator shall issue a refund to a new customer for the full amount of all transactions made within the thirty-day (30) new customer time period as provided in the definition of “new customer” in § 19-14.3-1.1. In order to receive a refund under this subsection, a new customer shall have been fraudulently induced to engage in the virtual currency transaction(s) and shall contact the virtual currency kiosk operator and a government or law enforcement agency to inform them of the fraudulent nature of the transaction(s) within ninety (90) days of the last transaction to occur during the thirty-day (30) new customer time period.” Source

“A virtual currency kiosk operator shall issue a refund to an existing customer for the full amount of all transaction fees upon the request of an existing customer. In order to receive a refund under this subsection, an existing customer shall have been fraudulently induced to engage in the virtual currency transaction(s) and shall contact the virtual currency kiosk operator and a government or law enforcement agency to inform them of the fraudulent nature of the transaction(s) within ninety (90) days of each transaction.” Source

“All virtual currency kiosk operators performing business in the state shall provide live customer service, at a minimum, Monday through Friday between 8:00 AM EST and 10:00 PM EST. The customer service toll free number shall be displayed on the virtual currency kiosk or the virtual currency kiosk screen.” Source

“WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS ARE NOT RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE. VIRTUAL CURRENCY TRANSACTIONS MAY BE USED TO STEAL YOUR MONEY BY CRIMINALS IMPERSONATING THE GOVERNMENT, ORGANIZATIONS, OR YOUR LOVED ONES.” Source

“Effective November 1, 2025, upon each transaction’s completion, the virtual currency kiosk operator shall provide a person with a physical receipt in a chosen language made available to and preferred by the customer” Source

“A virtual currency kiosk operator shall not locate, or allow a third party to locate, a virtual currency kiosk in this state unless the virtual currency kiosk operator registers the virtual currency kiosk and obtains the prior approval of the department of business regulation (DBR) for its activation.” Source

““New customer” means an individual who has never previously transacted with the virtual currency kiosk operator. The new customer shall remain defined as such during the thirty-day (30) period after the first financial transaction with the virtual currency kiosk operator.” Source

“A licensee shall establish: (1) A daily transaction limit not exceeding one thousand dollars, or the equivalent in virtual currency, for any user; and (2) A thirty-day virtual currency transaction limit not exceeding ten thousand dollars, or the equivalent in virtual currency, for any user.” Source

“A licensee shall issue a full refund to any user that: (1) Is the victim of a fraudulent virtual currency transaction involving a virtual currency kiosk operated by the licensee; (2) Within ninety days after the last occurrence of fraud or of becoming aware of the fraud, informs the licensee of all fraudulent transactions at issue; and (3) Within one hundred twenty days after contacting the licensee, submits to the licensee a copy of any police report or government agency report or a sworn statement detailing all known fraudulent activity. Within seventy-two hours of the user's satisfaction of all conditions in this section, the licensee must issue a full refund to the user, including all charges paid by the user in connection with the fraudulent transaction.” Source

“A licensee may not collect charges from a user related to a single virtual currency transaction, whether directly or indirectly, exceeding twenty-five percent of the amount of the transaction.” Source

“At a minimum, a licensee shall provide live customer service during the hours between 8:00 a.m. to 10:00 p.m. local time. A toll-free telephone number must be displayed on the virtual currency kiosk or the kiosk's screen.” Source

“Acknowledgment of the disclosures required by this section does not affect or prevent a fraud victim's eligibility for a refund pursuant to section 7 of this Act.” Source

“Contains a prominent warning in bold type, provided separately from the other disclosure provisions, which states that: (a) This technology may be used to defraud a user;” Source

“Is available to the user both electronically and in paper form” Source

“Any operator of a virtual currency kiosk in this state must be licensed pursuant to chapter 51A-17.” Source

“Any alternative product or service of the licensee, including affiliated kiosks, online portals for purchases, and over-the-counter transactions, may not be used to circumvent or exceed the prescribed limits.” Source

“The licensee shall block transfers to addresses associated with overseas platforms that do not permit access by users in the United States.” Source

“It is an offense for a virtual currency kiosk operator or other person to knowingly install or allow installation of, permit, place, or otherwise operate a virtual currency kiosk in this state.” Source

“A violation of subsection (a) is a Class A misdemeanor.” Source

“Knowingly permits the use or installation of a virtual currency kiosk on property owned, leased, or controlled by the person” Source

“This act takes effect July 1, 2026, the public welfare requiring it, and applies to acts occurring on or after that date.” Source

“A virtual currency kiosk operator may not accept virtual currency kiosk transactions from a single customer that exceed a cumulative total of: (a) during the three calendar days following the day on which the customer completes the customer's first virtual currency kiosk transaction with the virtual currency kiosk operator, $2,000 of cash or the equivalent in virtual currency per calendar day; or (b) after the three-day period described in Subsection (1)(a), $5,000 of cash or the equivalent in virtual currency per calendar day.” Source

“A virtual currency kiosk operator performing business in this state shall provide a toll-free customer service line, available 24 hours per day, seven days per week, and display the number for the toll-free customer service line on the virtual currency kiosk or the virtual currency kiosk screens.” Source

“WARNING: NEVER SEND MONEY TO SOMEONE YOU DO NOT KNOW. THESE TRANSACTIONS ARE IRREVERSIBLE. NO GOVERNMENT AGENCY OR OFFICIAL WILL EVER REQUEST PAYMENT USING THIS KIOSK. IF YOU SUSPECT FRAUD, CALL LOCAL LAW ENFORCEMENT BEFORE PROCEEDING.” Source

“After the completion of each transaction, the virtual currency kiosk operator shall provide an individual with a receipt in the language chosen by the customer.” Source

“A violation of this part constitutes a deceptive act or practice under Title 13, Chapter 11, Utah Consumer Sales Practices Act.” Source

“(1) No person shall locate, operate, or otherwise make available for use, or allow a third party to locate, operate, or otherwise make available for use, a virtual currency kiosk in Vermont. (2) No person shall offer, facilitate, or engage in, in whole or in part, directly or indirectly, virtual-currency business activity via a money transmission kiosk in Vermont.” Source

“The virtual-currency kiosk operator shall provide a full refund to a customer who was fraudulently induced to engage in a virtual-currency kiosk transaction, provided the fraudulently induced transaction occurred while the customer was a new customer and further provided the customer contacts the virtual-currency kiosk operator and a law enforcement or government agency to inform the operator and the agency of the fraudulent nature of the transaction within 90 days after the customer’s last virtual-currency transaction with the virtual-currency kiosk operator. The refund shall include any fees charged in association with the fraudulently induced transaction.” Source

“The virtual-currency kiosk operator shall provide a fee refund to an existing customer who has been fraudulently induced to engage in a virtual-currency kiosk transaction, provided the customer contacts the virtual-currency kiosk operator and a law enforcement or government agency to inform the operator and the agency of the fraudulent nature of the transaction within 90 days after the last fraudulently induced transaction.” Source

“For any virtual-currency kiosk transaction occurring after July 1, 2026, in violation of this section, the virtual-currency kiosk operator shall provide a full refund to the customer upon request of the customer or the Commissioner. The refund shall include any fees charged in association with the transaction.” Source

“Any registration of a virtual-currency kiosk shall expire and terminate on July 1, 2026.” Source

8 V.S.A. §§ 2571, 2574, 2577 (as in force 2025-07-01 to 2026-06-30). It applied from July 1, 2025. Replaced by the law above. Its rules are shown for transactions made while it was in force.

Until 2026-06-30: $2,000 per day for a new customer (first 30 days) and $5,000 per day for an existing customer. Source

Until 2026-06-30: fees plus spread capped at the greater of $5 or 15%, up from 3% under the 2024 law. Source

Until 2026-06-30: live toll-free phone support during kiosk operating hours. Source

Until 2026-06-30: mandatory recorded live phone screening before a new customer over 60 makes a first transaction, or when anyone tries more than $5,000 in 10 days. Source

“No licensee shall accept a transaction of greater than $2,000 in U.S. dollars or the equivalent in virtual currency for any new user per day. A licensee's maximum daily transaction limit for a user shall not exceed $5,000, and a licensee's maximum monthly transaction limit for any user or new user shall not exceed $10,000.” Source

“In cases related to fraud, a licensee shall issue a refund to the user of any transaction fees at the time of the transaction, paid in the originating currency and regardless of any acknowledgements made by the user prior to finalizing such transaction. To receive a full refund, a user shall (i) have engaged in a transaction involving a virtual currency kiosk that was affected by fraud, whether authorized or unauthorized; (ii) inform the virtual currency kiosk operator of the fraudulent nature of the transaction at issue within 90 days after such transaction; and (iii) submit a police report, government agency report, or sworn statement detailing the fraudulent nature of the transaction to the virtual currency kiosk operator within 120 days after such transaction.” Source

“No licensee shall collect any charge from a user relating to a single virtual currency kiosk transaction that exceeds 18 percent of the value of such transaction.” Source

“Each licensee in operation shall provide users live customer service during all operating hours and including the hours between 8 a.m. and 10 p.m. each day. A customer service toll-free phone number shall be displayed on each virtual currency kiosk or screen.” Source

“WARNING: This technology can be used to defraud you. If someone asked you to deposit money in this machine or is on the phone with you and claims to be a friend or family member, government agent, computer software representative, bill collector, law-enforcement officer, or anyone you do not know personally: STOP THIS TRANSACTION IMMEDIATELY and contact your local law enforcement and the kiosk operator. This may be a scam. NEVER SEND MONEY to someone you don't know.” Source

“Any virtual currency transaction made in violation of this section is void, and no person shall have the right to collect, receive, or retain any charge in connection with such transaction.” Source

“"New user" means a person who completes a transaction through a virtual currency kiosk located in the Commonwealth and includes such person for a period of 14 days after such transaction. A person who transacts on three or more days within such period is considered a user and is no longer subject to the transaction limits applicable to new users after such period has elapsed.” Source

“A licensee shall hold each virtual currency kiosk transaction made by a new user for a period of at least 48 hours, after which the licensee shall complete such transaction. No licensee shall permit a new user to complete a virtual currency kiosk transaction until such hold period has elapsed. During such hold period, the new user may contact the licensee to request the cancellation and full refund of such transaction.” Source

“The provisions of this chapter establish minimum standards of conduct for virtual currency kiosk operators, and no provision of this chapter shall be construed to (i) limit the authority of any county, municipality, or other political subdivision of the Commonwealth to adopt or enforce ordinances, regulations, resolutions, or rules that are more stringent than those set forth herein” Source

“The following shall be the maximum daily virtual currency kiosk transaction limits: (1) One thousand dollars for each new customer of a virtual currency kiosk; and (2) Ten thousand dollars for each existing customer of a virtual currency kiosk.” Source

“The licensee shall allow a new customer, upon the request of the customer, to cancel and receive a full refund for any fraudulent virtual currency transactions that occurred not later than 10 days after the new customer registered as a customer of the licensee if, not later than 30 days after the last virtual currency transaction that occurred during the 10-day period, the customer: (1) Contacts the licensee and a government or law enforcement agency to inform them of the fraudulent nature of the virtual currency transaction; and (2) Files a report with a government or law enforcement agency memorializing the fraudulent nature of the virtual currency transaction.” Source

“Offer, during the hours of operation of the virtual currency kiosks owned or operated by the licensee, live customer support by telephone from a toll-free telephone number prominently displayed at or on the virtual currency kiosks;” Source

“WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY MAY BE IRREVERSIBLE.” Source

“A licensee, upon the completion of a virtual currency transaction, shall provide to the customer a written, paper receipt.” Source

“A virtual currency kiosk operator doing business in West Virginia prior to the effective date of the amendments to this article made during the regular session of the Legislature, 2026, shall make application through NMLS for licensure within 90 days of the effective date of this section.” Source

“"New customer" means a consumer who is engaging in a virtual currency transaction in this state and has been registered for 10 days or less as a customer of the owner of a virtual currency kiosk or virtual currency kiosk operator.” Source

“placing a temporary transaction hold of up to 72 hours where elevated risk is identified.” Source

“A virtual currency kiosk operator may not accept from or dispense to a customer, by means of any virtual currency kiosk, more than a total of $1,000 in fiat currency in the same day.” Source

“Upon request of a customer, a virtual currency kiosk operator shall issue a refund to the customer for the full amount of any transaction, including any fees charged in association with the transaction, if, not later than 30 days after the transaction, the customer contacted the virtual currency kiosk operator and the department of justice, the department of financial institutions, or a law enforcement agency to inform them of the fraudulent nature of the transaction.” Source

“A virtual currency kiosk operator shall provide live customer service through a toll-free telephone number during all hours in which any of its virtual currency kiosks is operable.” Source

“FRAUD ALERT! Criminals seek to defraud virtual currency customers by impersonating loved ones, government officials, law enforcement officers, or charities; threatening jail time; stating that your identity was stolen or your accounts frozen; or claiming your computer was hacked. IF SOMEONE YOU DON’T KNOW IS ASKING YOU TO SEND VIRTUAL CURRENCY FROM THIS MACHINE, DO NOT PROCEED WITH THE TRANSACTION. LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE. NOTICE: Virtual currency may be traded for free in online exchanges.” Source

“Upon completion of a transaction, a virtual currency kiosk operator shall provide to the customer a physical and electronic receipt containing all of the following information:” Source

“No person may engage in the business of operating virtual currency kiosks in this state unless the person is licensed under this chapter.” Source

“A virtual currency kiosk operator may not locate a virtual currency kiosk within 5 feet of, or operate a virtual currency kiosk that also functions as, an automated teller machine.” Source

“No person shall own, operate or manage a virtual currency kiosk in this state unless the person: (i) Has been issued a license under the Wyoming Money Transmitters Act, W.S. 40-22-101 through 40-22-129; or (ii) Is a financial institution and has been granted a charter under title 13 of the Wyoming statutes.” Source

“Any person who knowingly violates subsection (a) of this section is guilty of a felony punishable by imprisonment for not less than three (3) years, a fine of not less than ten thousand dollars ($10,000.00), or both.” Source

“The commissioner shall adopt rules regulating the operation of virtual currency kiosks by persons authorized under this section.” Source