{
  "name": "Crypto ATM (crypto kiosk) fraud refund laws by US state: deadlines and conditions",
  "description": "State laws that require cryptocurrency kiosk operators to refund scam victims, with who qualifies, what is refunded, the reporting deadline, what the victim must do, the daily limit for new customers, and the primary source for each row. Only states verified against a statute or state agency page on the check date are included.",
  "url": "https://pausebeforesend.com/data/#kiosk-refund-laws-by-state",
  "license": "CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)",
  "publisher": "Pause Before Send",
  "updated": "2026-10-25",
  "rows": [
    {
      "state": "Alabama",
      "law": "Code of Ala. § 8-7A-28 (HB 303, 2026 Cryptocurrency Kiosk Fraud Prevention Act)",
      "in_effect_since": "2026-10-01",
      "who_gets_a_refund": "New consumer (first transaction and the 30 days after it); existing consumers get a partial refund",
      "what_is_refunded": "New: full amount plus all fees. Existing: one-half of the transaction value, including fees",
      "report_deadline": "60 calendar days after the transaction",
      "what_you_must_do": "Contact the operator, a law enforcement agency and the Alabama Securities Commission within 60 days; file a report with law enforcement or the Commission",
      "daily_limit_new_customer_usd": 1000,
      "primary_source": "https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf",
      "source_date": "2026-09-30",
      "checked": "2026-10-25"
    },
    {
      "state": "Arizona",
      "law": "A.R.S. § 6-1236 (HB 2387, 2025)",
      "in_effect_since": "2025-09-26",
      "who_gets_a_refund": "New customers only (a customer of that operator for less than 10 days)",
      "what_is_refunded": "Full amount plus fees",
      "report_deadline": "30 days after the transaction",
      "what_you_must_do": "Contact the operator and a law enforcement agency or the Attorney General within 30 days; give the operator a report from that agency that determines you were fraudulently induced",
      "daily_limit_new_customer_usd": 2000,
      "primary_source": "https://www.azleg.gov/ars/6/01236.htm",
      "source_date": "2025-05-12",
      "checked": "2026-10-25"
    },
    {
      "state": "Illinois",
      "law": "205 ILCS 732/45 (Digital Asset Kiosks Act, P.A. 104-429)",
      "in_effect_since": "2025-08-18",
      "who_gets_a_refund": "New customer (the earlier of the first 3 transactions or 7 days after opening an account); existing customers get charges back",
      "what_is_refunded": "New: full amount of up to 3 fraudulent transactions. Existing: all charges (fees plus the markup over market price)",
      "report_deadline": "Tell the operator within 30 days; give it a police or government report within 60 days",
      "what_you_must_do": "Contact the operator within 30 days of the last new-customer-period transaction (or of the transaction, for existing customers); submit a police or government agency report to the operator within 60 days",
      "daily_limit_new_customer_usd": 2500,
      "primary_source": "https://www.ilga.gov/Legislation/ILCS/Articles?ActID=4633&Chapter=FINANCIAL+REGULATION&ChapterID=20&MajorTopic=REGULATION&Print=True",
      "source_date": "2025-08-18",
      "checked": "2026-10-25"
    },
    {
      "state": "Iowa",
      "law": "Iowa Code § 533C.1004 (SF 449, 2025)",
      "in_effect_since": "2025-07-01",
      "who_gets_a_refund": "New and existing consumers (new = first 30 days with that operator)",
      "what_is_refunded": "Full amount",
      "report_deadline": "90 calendar days (new: after your last new-consumer transaction; existing: after the transaction)",
      "what_you_must_do": "Report to both the operator and a government or law enforcement agency within 90 days; give the operator proof such as a police report or sworn declaration",
      "daily_limit_new_customer_usd": 1000,
      "primary_source": "https://www.iowaattorneygeneral.gov/for-consumers/cryptoatmreporting/crypto-atm-faq",
      "source_date": "2025-07-01",
      "checked": "2026-10-25"
    },
    {
      "state": "Kansas",
      "law": "HB 2591 § 11 (Virtual Currency Kiosk Consumer Protection Act, 2026 Session Laws ch. 102)",
      "in_effect_since": "2026-07-01",
      "who_gets_a_refund": "Initial transaction and any within 14 days of it; existing customers get fees back",
      "what_is_refunded": "New: full amount plus fees (including spread). Existing: direct and indirect charges only",
      "report_deadline": "30 calendar days after the last fraudulent transaction",
      "what_you_must_do": "Report to the State Bank Commissioner, the Attorney General or law enforcement within 30 days; give the operator a police report or sworn declaration. A first transaction can also be refunded for any reason during its 72-hour hold",
      "daily_limit_new_customer_usd": 1000,
      "primary_source": "https://sos.ks.gov/publications/sessionlaws/2026/Chapter-102-HB-2591.html",
      "source_date": "2026-04-30",
      "checked": "2026-10-25"
    },
    {
      "state": "Maine",
      "law": "32 M.R.S. § 6169 (P.L. 2025, ch. 285, Maine Virtual Currency Kiosk Act)",
      "in_effect_since": "2025-06-12",
      "who_gets_a_refund": "All transactions made within 90 days of your first transaction with that operator",
      "what_is_refunded": "Full amount plus charges",
      "report_deadline": "One year after the last fraud-induced transaction",
      "what_you_must_do": "File a report with a government or law enforcement agency that includes a sworn statement and identifies the kiosk transactions",
      "daily_limit_new_customer_usd": 1000,
      "primary_source": "https://legislature.maine.gov/statutes/32/title32sec6169.html",
      "source_date": "2025-06-12",
      "checked": "2026-10-25"
    },
    {
      "state": "Nebraska",
      "law": "Neb. Rev. Stat. § 8-3038 (LB 609, Controllable Electronic Record Fraud Prevention Act)",
      "in_effect_since": "2025-09-02",
      "who_gets_a_refund": "New customers (within 14 days of the first transaction with that operator, per the state regulator); existing customers get fees back",
      "what_is_refunded": "New: full amount plus fees. Existing: fees only",
      "report_deadline": "30 days after the transaction",
      "what_you_must_do": "Contact the operator and a law enforcement or government agency (the state Department of Banking and Finance is recommended) within 30 days",
      "daily_limit_new_customer_usd": 2000,
      "primary_source": "https://nebraskalegislature.gov/laws/statutes.php?statute=8-3038",
      "source_date": "2025-09-02",
      "checked": "2026-10-25"
    },
    {
      "state": "Wisconsin",
      "law": "Wis. Stat. § 217.12 (2025 Wisconsin Act 226)",
      "in_effect_since": "2026-04-10",
      "who_gets_a_refund": "Any customer",
      "what_is_refunded": "Full amount plus fees",
      "report_deadline": "30 days after the transaction",
      "what_you_must_do": "Contact the operator and the Department of Financial Institutions, the Department of Justice or a law enforcement agency within 30 days",
      "daily_limit_new_customer_usd": 1000,
      "primary_source": "https://docs.legis.wisconsin.gov/2025/related/lcactmemo/act226.pdf",
      "source_date": "2026-04-10",
      "checked": "2026-10-25"
    }
  ]
}