{"id":539701,"date":"2026-06-04T16:55:48","date_gmt":"2026-06-04T15:55:48","guid":{"rendered":"https:\/\/cryptoslate.com\/?post_type=crypto_law&p=539701"},"modified":"2026-06-05T23:52:22","modified_gmt":"2026-06-05T22:52:22","slug":"maryland-virtual-currency-kiosk-registration-regime","status":"publish","type":"crypto_law","link":"https:\/\/cryptoslate.com\/crypto-laws\/maryland-virtual-currency-kiosk-registration-regime\/","title":{"rendered":"Maryland Virtual Currency Kiosk Registration Regime"},"content":{"rendered":"

Maryland Virtual Currency Kiosk Registration Regime<\/strong> is a state-level United States crypto law created by Maryland SB 305, Chapter 117 of the Acts of 2025. The law added Financial Institutions Article \u00a7\u00a7 12-1201 through 12-1209 under a new subtitle for virtual currency kiosks and took effect July 1, 2025. Its core operating rule applies beginning January 1, 2026: a virtual currency kiosk operator must register a kiosk with the Maryland Commissioner of Financial Regulation before operating it in the state.<\/p>\n

This profile treats the regime as Maryland law within the United States, not as a federal crypto ATM statute. As of June 4, 2026, the regime is in force, COMAR 09.03.16 regulations are effective, and later SB 741 \/ Chapter 417 alterations have been enacted with an October 1, 2026 effective date.<\/p>\n

What the virtual currency kiosk regime covers<\/h3>\n

The statute defines a virtual currency kiosk as a stand-alone automated platform through which a consumer may deposit or receive cash, or use a credit or debit card, to obtain virtual currency services. Covered services include the conversion of one virtual currency to another and the purchase, sale, exchange, swap, or transfer of virtual currency by any means.<\/p>\n

Maryland separates the kiosk regime from the state money transmission framework. COMAR 09.03.16 states that kiosk registration does not exempt a person from money-transmission licensure if the kiosk facilitates money transmission, and a money transmission license or exemption does not replace kiosk registration when the person operates a kiosk offering virtual currency services.<\/p>\n

Registration, fees, and operational controls<\/h3>\n
    \n
  • Operator registration:<\/strong> A person may not operate a kiosk in Maryland after January 1, 2026 unless registered as an operator with the Commissioner through NMLS.<\/li>\n
  • Kiosk registration:<\/strong> Each kiosk must be separately registered through NMLS, with fixed-location or mobile-location information and unique identifying data.<\/li>\n
  • Registration fees:<\/strong> The regulations set a non-refundable $2,000 operator registration fee and a $200 fee for each registered kiosk, plus applicable NMLS fees.<\/li>\n
  • Annual renewal:<\/strong> Operator and kiosk registrations renew through NMLS, and operators must submit annual kiosk-level reporting as part of the renewal or expiration process.<\/li>\n<\/ul>\n

    Consumer protection and fraud-prevention requirements<\/h3>\n

    The law limits same-day cash, prepaid-access, or credit activity through one or more kiosks for a single Maryland user. The statutory limit is $2,000 for a new user and $10,500 for an experienced user. It also caps transaction fees at the greater of $5 or 15% of the virtual currency service transaction amount and requires fee refunds for transactions verified as fraudulent through procedures established by the Commissioner.<\/p>\n

    Operators must collect specified user identifying information before accepting cash or credit, provide receipts, maintain live toll-free customer support during weekday hours, and display on-screen risk disclosures before each virtual currency service transaction. The regulations add detailed refund-claim procedures, receipt contents, disclosure timing, required signage, wallet-blocking controls, third-party blockchain-analysis screening for high-risk or sanctioned wallets, and a chief compliance officer requirement.<\/p>\n

    2026 amendments and status timeline<\/h3>\n

    SB 741, Chapter 417 of 2026, amends the regime effective October 1, 2026. It broadens \u201cvirtual currency kiosk operator\u201d to include a person who installs or operates software enabling a stand-alone automated device to provide virtual currency services in Maryland. It also excludes accepting or dispensing cash in connection with a credit, deposit, or convenience account from \u201cvirtual currency service\u201d and clarifies that a kiosk may not provide the same services as an automated teller machine.<\/p>\n\n\n\n\n\n\n\n\n\n\n
    Date<\/th>\nEvent<\/th>\nStatus<\/th>\n<\/tr>\n<\/thead>\n
    January 13, 2025<\/td>\nSB 305 first read in the Maryland Senate and referred to Finance.<\/td>\nIntroduced<\/td>\n<\/tr>\n
    April 22, 2025<\/td>\nGovernor approved SB 305 as Chapter 117.<\/td>\nAdopted<\/td>\n<\/tr>\n
    July 1, 2025<\/td>\nChapter 117 took effect.<\/td>\nIn force<\/td>\n<\/tr>\n
    January 1, 2026<\/td>\nOperator and individual kiosk registration requirement became operational.<\/td>\nIn force<\/td>\n<\/tr>\n
    March 30, 2026<\/td>\nCOMAR 09.03.16 final regulations became effective.<\/td>\nEffective<\/td>\n<\/tr>\n
    May 12, 2026<\/td>\nGovernor approved SB 741 as Chapter 417, with October 1, 2026 alterations.<\/td>\nAdopted<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    Editors should classify the regime as an in-force Maryland licensing, registration, consumer-disclosure, and fraud-prevention framework for virtual currency kiosks, with a future amendment milestone on October 1, 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Maryland\u2019s virtual currency kiosk regime requires OFR registration for operators and each kiosk, and adds disclosures, fee caps, fraud-refund rules, and enforcement powers.<\/p>\n","protected":false},"author":1652,"featured_media":539704,"template":"","meta":[],"crypto_law_jurisdiction":[81466,81427],"crypto_law_topic":[81519,81866,81869,81870,81610],"crypto_law_status":[81537],"crypto_law_type":[81546],"crypto_law_actor":[81945,81947,81946,81944],"crypto_law_asset_class":[81571,81635,81648],"acf":[],"yoast_head":"\nMaryland Virtual Currency Kiosk Registration Regime<\/title>\n<meta name=\"description\" content=\"Maryland requires virtual currency kiosk operator and kiosk registration, with fee caps, disclosures, fraud refunds, and OFR enforcement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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