All Roll Calls
Yes: 656 • No: 0
KansasHB 25912025–2026 Regular SessionHouseWALLET
Authorizing financial institutions to report suspected financial exploitation of an adult account holder to a designated agency, notify any adult designated as a trusted contact by such account holder of suspected financial exploitation and place a temporary hold on certain transactions or disbursements. Enacting the virtual currency kiosk consumer protection act, providing definitions, and establishing requirements for virtual currency kiosk operators. Prohibiting the office of the state bank commissioner or any other state agency from becoming a receiver for a technology-enabled fiduciary financial institution that becomes insolvent or declares bankruptcy. Providing that earned wage access service registrants are subject to the Kansas financial institutions information security act, and eliminating certain stipulations relating to the payment of negotiable instruments on Saturday afternoons or holidays.
Sponsored By: Committee on Financial Institutions and Pensions
Signed by Governor
senate committee on financial institutions and insurancehouse committee on financial institutions and pensions
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Bill Overview
Analyzed Economic Effects
10 provisions identified: 5 benefits, 0 costs, 5 mixed.
Banks can flag exploitation and delay transfers
Kansas financial institutions may report suspected exploitation of account holders age 18 or older to law enforcement or Children and Families. Reports require good faith and reasonable cause. Institutions may alert a designated trusted contact, unless they reasonably suspect that contact committed or attempted the exploitation. The alert gives no account authority and need not reveal confidential financial details. After reporting, institutions may hold only the affected transaction with management approval for up to 10 business days. Investigating agencies may request up to 30 more business days; further extensions require a court order. Holds cannot rest solely on age, perceived vulnerability, transaction size, frequency, timing, or refusal to provide information. Institutions, bank holding companies, and their staff receive state civil and criminal liability protection for good-faith actions with reasonable cause, including related proceedings. Good-faith decisions not to act are also protected unless grossly negligent.
Crypto kiosk users face transfer limits
Beginning July 1, 2026, a Kansas customer's first crypto kiosk transaction is capped at $1,000. During the following 14 days, limits are $1,000 daily and $10,000 total. No more than one transaction may occur within 72 hours of the first transaction. After 14 days, the daily cap is $10,500. Operators must hold money or crypto for 72 hours for transactions within 14 days of the first transaction. The starting rate stays fixed, except when a refund is requested or law or a court order requires safekeeping because of criminal activity.
Crypto kiosk customers gain refund options
Beginning July 1, 2026, Kansas customers can request a full first-transaction refund for any reason during the 72-hour hold. Fraud refund options cover charges for existing customers, or the full amount and fees for first or within-14-day transactions. Customers must report fraud to the commissioner, attorney general, or law enforcement within 30 calendar days after the last fraudulent transfer. They must also provide a police report or sworn statement describing the fraud. Requested refunds are generally due within 10 business days by cash, bank transfer, or paper check. Operators may delay payment for reported, reasonably suspected fraud until the receiving agency says its investigation has ended. A full refund is not required when law or a court order requires safekeeping because of criminal activity.
Crypto kiosk customers get fee caps
Beginning July 1, 2026, crypto kiosk charges for a person in Kansas cannot exceed the greater of $5 or 18% of the full transfer amount. Both direct and indirect charges count toward the cap. The price spread—the gap between market and offered prices—counts as an indirect charge. Operators must keep market-price records for every transaction.
Crypto kiosk users get warnings and help
Beginning July 1, 2026, Kansas crypto kiosk users receive written risk disclosures and account terms before their first transaction. Disclosures cover price swings, irreversible transfers, fraud, public records, lack of government backing, and possible shortages in loss protection. Operators must show a fraud warning for acknowledgment before every transaction. Receipts must show operator contacts, transaction details, fees, exchange rates, spreads, wallet information, liability terms, and refund policies. Kiosks first placed in service on or after July 1, 2026 must provide paper receipts; older kiosks may use paper or digital receipts. Digital receipts require acknowledgment that the customer provided an email address. Spanish disclosures are required when the operator agrees to transact in Spanish, and proof of disclosures must be kept for three years. Kiosks must display a toll-free number with trained, live help throughout operating hours.
More financial services must protect customer data
Kansas customer-information security rules now cover earned wage access service registrants when they handle customer information. They also cover financial institutions that transmit money but are outside the specified money transmitter licensing requirement. These businesses must follow the state's customer-data security standards.
Crypto kiosk operators face licensing oversight
Beginning July 1, 2026, Kansas kiosk owners, operators, promoters, and facilitators must meet money transmitter licensing and reporting rules. Unlicensed operators must apply within 60 days after that date and may operate while a complete application is reviewed. Denied applicants must stop until licensed. Each operator must employ a qualified, full-time consumer protection officer who owns no more than 20% of the business. The officer must have a direct phone number outside call routing and an email address for regulators and law enforcement. Money transmission rules also cover fee-based Kansas kiosk transactions and three-party exchanges involving at least one person in Kansas. Two-party and crypto-for-crypto exchanges away from Kansas kiosks are excluded. The attorney general and law enforcement may investigate fraud; transmitters must cooperate as state and federal law allow. Agencies share reports with the commissioner, who may use them in license renewal or revocation decisions. Five specified older money transmission statutes are repealed on July 1, 2026.
Crypto kiosks add identity and fraud checks
Beginning July 1, 2026, Kansas kiosk operators must verify identity before accepting payment for every transaction. They must copy government-issued identification and collect the customer's name, birth date, phone number, address, and email. Customers must use their own true name and identity; operators are strictly liable for identity-rule violations. Operators must use blockchain software to screen wallets for known fraud links and receive liability protection for refusals based on knowledge or credible suspicion. Written anti-fraud policies must identify risks, set controls, assign monitoring duties, and undergo periodic review. Board-approved policies for extra checks must also identify people at risk based on age or mental capacity.
State agencies cannot manage failed fiduciary firms
Kansas state agencies cannot serve as receivers managing a failed technology-enabled fiduciary financial institution. The ban applies when the institution becomes insolvent or declares bankruptcy. Insolvency includes insufficient assets to pay creditors or inability to meet creditor demands in the usual way. The provision does not state how much customers or creditors recover.
Three older Kansas financial statutes repealed
Upon publication in the Kansas Register, the law repeals three specified Kansas financial statutes. The supplied repeal provision does not describe their requirements. It does not establish a separate household payment, fee, or eligibility change.
Sponsors & Cosponsors
Sponsor
Committee on Financial Institutions and Pensions
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 4/23/2026
Yea: 124 Nay: 0
Yes: 124 • No: 0
House vote • 4/23/2026
Yea: 40 Nay: 0
Yes: 40 • No: 0
House vote • 4/23/2026
Yea: 40 Nay: 0
Yes: 40 • No: 0
House vote • 4/23/2026
Yea: 124 Nay: 0
Yes: 124 • No: 0
Senate vote • 3/26/2026
Conference Committee Report was adopted
Yes: 40 • No: 0
House vote • 3/26/2026
Conference Committee Report was adopted
Yes: 124 • No: 0
Senate vote • 3/19/2026
Final Action - Passed as amended
Yes: 40 • No: 0
House vote • 2/18/2026
Final Action - Passed as amended
Yes: 124 • No: 0
Actions Timeline
Reengrossed on Tuesday, March 31, 2026
4/9/2026HouseEnrolled and presented to Governor on Friday, April 3, 2026
4/9/2026HouseApproved by Governor on Thursday, April 9, 2026
4/9/2026HouseConference committee report now available
3/26/2026SenateConference Committee Report was adopted; Yea 40, Nay 0
3/26/2026SenateConference Committee Report was adopted; Yea 124, Nay 0, Absent 1
3/26/2026HouseMotion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Silas Miller appointed as conferees
3/24/2026SenateNonconcurred with amendments; Conference Committee requested; appointed Rep. Nick Hoheisel, Rep. Angela Stiens and Rep. Rui Xu
3/23/2026HouseFinal Action - Passed as amended; Yea 40, Nay 0
3/19/2026SenateCommittee of the Whole - Committee Report be adopted
3/18/2026SenateCommittee of the Whole - Be passed as amended
3/18/2026SenateCommittee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance
3/17/2026SenateHearing: Wednesday, March 11, 2026, 9:30 AM — Room 546-S
3/11/2026SenateReferred to Senate Committee on Financial Institutions and Insurance
2/25/2026SenateEngrossed on Friday, February 20, 2026
2/25/2026HouseReceived and Introduced
2/24/2026SenateFinal Action - Passed as amended; Yea 124, Nay 0, Absent 1
2/18/2026HouseCommittee of the Whole - Motion to Amend - Offered by Rep. Carolyn Caiharr
2/17/2026HouseCommittee of the Whole - Amendment by Rep. Carolyn Caiharr was adopted
2/17/2026HouseCommittee of the Whole - Be passed as amended
2/17/2026HouseCommittee Report recommending bill be passed by House Committee on Financial Institutions and Pensions
2/11/2026HouseHearing: Wednesday, February 4, 2026, 9:00 AM — Room 582-N
2/4/2026HouseIntroduced
1/29/2026HouseReferred to House Committee on Financial Institutions and Pensions
1/29/2026House
Bill Text
As Amended by Senate Committee
As Introduced
Enrolled
{As Amended by House Committee of the Whole}
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