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

Licensing in Nebraska

Crypto ATM operators need a Nebraska money transmitter license under the Nebraska Money Transmitters Act (Neb. Rev. Stat. 8-2701 et seq.); kiosk filings are uploaded to the licensee's NMLS record. LB 838 (2026) added foreign-adversary certifications for all money transmitter licensees from 2026-07-18.

Regulator: Nebraska Department of Banking and Finance (NDBF) · License: Money transmitter license

Sources: NDBF: Industry Update LB609 (2025-06-15) · Neb. Rev. Stat. 8-2751 (LB 838 applicability) · Neb. Rev. Stat. 8-2701

Nebraska's kiosk law

Controllable Electronic Record Fraud Prevention Act, Neb. Rev. Stat. §§ 8-3032 to 8-3042 (LB 609, 2025) · effective 2025-09-03. License, daily limits, an 18% cap, required warnings, receipts, refunds, quarterly address lists, live support and a full-time compliance officer.

• Crypto ATM operators need a Nebraska money transmitter license.
• New customers (first 14 days): $2,000 a day. Existing customers: $10,500 a day.
• All fees and charges, including any spread over market value, capped at 18% of the dollar value.
• Bold warnings, separate from other disclosures: "WARNING: CONSUMER FRAUD OFTEN STARTS WITH CONTACT FROM A STRANGER WHO IS INITIATING A DISHONEST SCHEME." and that kiosk transactions are irreversible.
• When a defrauded customer tells you and law enforcement or a government agency within 30 days: new customers get a full refund including fees; existing customers get the fees back.
• Live toll-free customer service Monday to Friday, 7 a.m. to 9 p.m.; blockchain analytics; a full-time compliance officer who owns no more than 20%.

Sources: Neb. Rev. Stat. §§ 8-3032 to 8-3042 (NDBF) · Nebraska NDBF: LB 609 FAQ

Also in the law, and recent changes

• Operators had to give NDBF written notice of their kiosk business by 2025-09-03.
• Within 45 days after each calendar quarter, submit the list of all wallet (controllable electronic record) addresses used by each kiosk, on NDBF's form, uploaded to your NMLS record.
• LB 717, signed 2026-02-25, effective 2026-07-18: 'kiosk transaction' now also covers funding a stored value account that can be used to buy crypto.

Sources: NDBF: Industry Update LB609 · NDBF: LB 717 (2026) industry correspondence · Neb. Rev. Stat. 8-3033

Bills and changes to watch

• LB 717 (2026): signed 2026-02-25, effective 2026-07-18; expands the kiosk transaction definition (enacted).
• LB 838 (2026): effective 2026-07-18; NDBF must request supplemental information within 60 days and start revocation against non-responsive or foreign-adversary-linked licensees (enacted).

Practical hurdles

• Quarterly wallet-address reporting means address rotation must be tracked per kiosk.
• LB 838 supplemental certification request: answer within 60 days or face revocation proceedings.
• Scam pressure context: FBI IC3 counted 92 crypto-kiosk complaints from this state in 2025 with $1,523,884 in adjusted losses (FBI notes losses may include non-kiosk transactions).

What we couldn't confirm

• MTMA status of the Nebraska Money Transmitters Act (CSBS list not fetched).