Crypto ATM laws in Colorado: a guide for operators (2026)
Colorado's kiosk act has applied since January 1, 2026: $2,000 and $10,500 daily limits, a prescribed fraud warning, receipts and refunds for some first transactions.
Kiosk law in force · Last checked
Licensing in Colorado
Money transmitters are licensed by the Division of Banking under C.R.S. Title 11, Art. 110, which HB 25-1201 repealed and re-enacted as a partial adoption of the MTMA. We did not find a Colorado source stating explicitly that kiosk operators need a money transmitter license.
Regulator: Colorado Division of Banking (DORA) · License: Money transmitter license (kiosk coverage unconfirmed)
Sources: Colo. HB 25-1201 (Model MTMA, adopted in part) · Colo. Session Laws 2025, ch. 91 (HB 25-1201) · DORA Division of Banking: Money Transmitters
Colorado's kiosk law
C.R.S. 11-112-101 to -103 (SB 25-079) · effective 2026-01-01. Daily limits, an on-screen fraud warning, receipts and refunds for some first transactions.
- New customers (using the kiosk less than 7 days): $2,000 a day. Existing customers: $10,500 a day.
- The screen must show "WARNING: THIS TECHNOLOGY CAN BE USED TO DEFRAUD YOU," and the customer acknowledges the disclosures, including fees.
- An electronic receipt after each transaction with your contact details, the fee, the exchange rate and your refund policy.
- Full refund within 72 hours of notice when a customer's first transaction went to a wallet or exchange outside the U.S. and they report fraud with proof within 60 days.
Bills and changes to watch
- No 2026 Colorado kiosk bill found. HB 26-1110 (Vulnerable Adult Financial Exploitation Banking) was signed in 2026; whether it touches kiosks was not checked.
Practical hurdles
- Colorado's kiosk act (SB 25-079) took effect 2026-01-01; it was passed without a safety clause (approved 2025-06-02).
- Scam pressure context: FBI IC3 counted 332 crypto-kiosk complaints from this state in 2025 with $9,463,719 in adjusted losses (FBI notes losses may include non-kiosk transactions).
Sources: Colo. HB 26-1110
What we couldn't confirm
- Whether Colorado requires kiosk operators specifically to hold a money transmitter license, and whether licensing goes through NMLS.
- Local ordinances and AG/Division enforcement against kiosk operators: none found.
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