Crypto ATM laws in North Dakota: a guide for operators (2026)
North Dakota requires a money transmitter license, caps each customer at $2,000 a day across your kiosks, and requires two warnings, receipts and quarterly location reports.
Kiosk law in force · Last checked
Esta guía todavía está solo en inglés.
Licensing in North Dakota
Kiosk operators must be licensed money transmitters under N.D.C.C. ch. 13-09.1, North Dakota's Money Transmission Modernization Act (SB 2119, signed 2023-03-15, effective 2023-08-01).
Regulator: North Dakota Department of Financial Institutions · License: Money transmitter license
Sources: ND DFI: North Dakota enacts MTMA (2023) · N.D.C.C. ch. 13-09.1
North Dakota's kiosk law
N.D.C.C. 13-09.1-50 to -54 (HB 1447, 2025). Money transmitter license, $2,000 a day, two required warnings, receipts, quarterly location reports and live support.
- Kiosk operators must be licensed as money transmitters in North Dakota.
- No more than $2,000 a calendar day from a single customer, across all your kiosks in the state.
- Two bold warnings on each kiosk: a consumer fraud warning asking customers to call local law enforcement before any transaction, and a warning that losses may not be recoverable and transactions are irreversible.
- A physical or digital receipt in the customer's chosen language; live customer service at least Monday to Friday, 8 a.m. to 10 p.m. Central, toll-free number on the kiosk.
- No fee cap; fees must be disclosed and shown on the receipt.
Unverified: check with counsel We read the enrolled text from the Legislature's site; its signature blocks were blank in that copy. The overview page shows it signed in April 2025.
Sources: N.D. HB 1447 (2025), N.D.C.C. 13-09.1-50 to -54 · N.D. Legislature: HB 1447 overview
Bills and changes to watch
- No 2026 bill found.
Practical hurdles
- Scam pressure context: FBI IC3 counted 20 crypto-kiosk complaints from this state in 2025 with $480,330 in adjusted losses (FBI notes losses may include non-kiosk transactions).
What we couldn't confirm
- We did not confirm whether North Dakota held any 2026 session that took up kiosk bills (the Legislative Assembly normally meets in odd-numbered years).
- NMLS use for ND money transmitter licensing (not confirmed from a DFI page).
Run machines in North Dakota? Put them on Bitcoin Scouts
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