Crypto ATM laws in Vermont: a guide for operators (2026)

Licensing in Vermont

Kiosks are banned. Money services are licensed by DFR under 8 V.S.A. ch. 79, rewritten as Vermont's MTMA by 2023, No. 110 (effective 2024-07-01).

Regulator: Vermont Department of Financial Regulation · License: Banned

Sources: 8 V.S.A. ch. 79 (Money Services)

Vermont's kiosk law

8 V.S.A. § 2577 · effective 2026-07-01. Kiosks are prohibited and kiosk registrations ended on July 1, 2026. Keep records until at least July 1, 2031.

• No one may locate, operate or make available a virtual currency kiosk in Vermont, or allow a third party to.
• Keep the records you had to keep before July 1, 2026 until at least July 1, 2031 (or later if the Commissioner requires), and provide them on request.
• For kiosk transactions before the ban, defrauded new customers who reported within 90 days get a full refund with fees; existing customers get the fees. Any transaction after July 1, 2026 must be refunded in full on request.

Sources: 8 V.S.A. § 2577

Also in the law, and recent changes

• The ban was enacted by Act 142 of 2026 (H.648, an omnibus banking, insurance and securities act), which replaced the earlier $2,000/$5,000 daily limits in 2577 with the prohibition. It also bars offering, facilitating or engaging in VC business activity 'via a money transmission kiosk' in Vermont.

Sources: Vt. Act 142 (2026) as enacted · Vt. H.648 bill status

Practical hurdles

• Scam pressure context: FBI IC3 counted 13 crypto-kiosk complaints from this state in 2025 with $48,060 in adjusted losses (FBI notes losses may include non-kiosk transactions).

What we couldn't confirm

• Effective date of Act 142 Sec. 14b itself (the file says 2026-07-01; not re-checked in the act's effective-date section).