# 119-s-710: Crypto ATM Fraud Prevention Act of 2025

119-s-710, Crypto ATM Fraud Prevention Act of 2025, is a 119th Congress bill sponsored by Sen. Durbin, Richard J. [D-IL] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-10-03).

- Canonical: https://policyrisk.com/legislation/119-s-710
- As of: 2026-10-03
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-710
- Congress: 119
- Title: Crypto ATM Fraud Prevention Act of 2025
- Status: introduced
- Introduced: 2025-02-25
- Sponsor: Sen. Durbin, Richard J. [D-IL] (D-IL)
- Cosponsors: 6
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-03

## Summary

**This bill would create a federal registration and anti‑fraud framework for physical virtual currency kiosks.** It targets kiosk scams by requiring operators to register locations and addresses, give clear disclosures and receipts, use blockchain analytics, limit new‑customer transactions, and provide refund rights and enforcement tools. - Operators would have to register each kiosk and update the list every 90 days with legal and trade names, physical addresses, start/end dates, and every virtual currency address. They would appoint a full‑time compliance officer who is not the CEO and owns no more than 20% of the operator. - Consumers would get mandatory pre‑transaction disclosures, acknowledgments, physical receipts within one year, and a refund process for fraud claims. New customers face transaction caps of $2,000 per 24 hours and $10,000 total, and refunds must be issued within 30 days for fraud‑induced transactions. - Enforcement and oversight would rely on FinCEN and law enforcement channels, mandatory operator hotlines, blockchain analytics checks, civil penalties of $10,000 per violation per day, and treble damages or $10,000 minimum for willful refund denials.

## Cosponsors (6)

- Sen. Cruz, Ted [R-TX] (R-TX), 2026-09-30T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2025-02-25T00:00:00.000Z
- Sen. Reed, Jack [D-RI] (D-RI), 2025-02-25T00:00:00.000Z
- Sen. Welch, Peter [D-VT] (D-VT), 2025-02-25T00:00:00.000Z
- Sen. Shaheen, Jeanne [D-NH] (D-NH), 2025-10-21T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2026-06-03T00:00:00.000Z

## Provisions PRIA read

- Receipts and refund rights for customers: benefit, medium. If enacted, operators would have to give a receipt for every kiosk transaction. Receipts would list operator contact, customer name, transaction hash, USD amount, all fees, refund policy or URL, and law‑enforcement contact. Physical receipts at kiosks would be required within one year. To get a ref…
- Rules and penalties for kiosk operators: cost, high. If enacted, anyone who owns or runs a crypto kiosk would be covered and must register kiosk locations with Treasury and update that list at least every 90 days. Operators would need a written anti‑fraud policy filed with FinCEN within 90 days of starting, a full‑time compliance officer who is not t…
- New customer limits and confirmations: mixed, medium. If enacted, a "new customer" (the 14‑day period after first kiosk use) would be limited to $2,000 per 24 hours and $10,000 total during that period. Operators would have to show clear, conspicuous fraud warnings and get customer acknowledgement before each sale. For transactions of $500 or more wit…
- State and federal kiosk rules: mixed, low. If enacted, the federal kiosk rules would override state laws only where those state laws conflict with the federal section. States would still be allowed to pass laws that give customers stronger protections than the federal rules.

## Related bills

- 119-s-1071: National Defense Authorization Act for Fiscal Year 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-2823: FAMILY Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026

## Sources
- [119-s-710 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/710)

## Related
- [119-s-1071: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-1071)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-710 (as of 2026-10-03).