All Roll Calls
Yes: 328 • 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: Sponsor information unavailable
Signed by Governor
financial institutions and insurancefinancial institutions and pensions
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Bill Overview
Analyzed Economic Effects
7 provisions identified: 2 benefits, 0 costs, 5 mixed.
Stronger fraud checks at crypto kiosks
Starting July 1, 2026, operators must give clear written risk disclosures and show a warning you acknowledge before each transaction. Receipts must list contact info, amounts, all fees with a "spread fee" line, the refund policy, and the full wallet address; new kiosks must print paper receipts. Operators must use blockchain analytics to stop transfers to wallets tied to fraud and may refuse risky transactions. They must keep a written anti-fraud plan, have live customer service during kiosk hours, and verify your identity with a government ID; they are strictly liable if they break these ID rules. Each operator must employ a full-time consumer protection officer with a direct phone number and email.
Banks can report and pause suspected exploitation
Kansas banks and credit unions may report suspected financial exploitation of an adult to law enforcement or the Department for Children and Families. They can notify a trusted contact unless they suspect that person. They may place a temporary hold for up to 10 business days, extendable to 30 days on an agency’s request, and longer by court order. Holds cannot be based only on age, transaction size or timing, or refusal to share more information. Institutions and their staff have civil and criminal immunity under Kansas law if they act in good faith with reasonable cause, or if they choose not to act without gross negligence.
Fee cap and limits for crypto kiosks
Beginning July 1, 2026, total fees on a kiosk transaction cannot be more than the greater of $5 or 18% of the amount. Your first transaction can be up to $1,000. During the first 14 days, you may spend up to $1,000 per day, only one transaction within 72 hours of the first, and no more than $10,000 total. After 14 days, the daily limit is $10,500.
Refunds and a 72-hour hold for kiosks
Starting July 1, 2026, operators must hold funds for 72 hours on transactions made within 14 days of your first transaction. You can get a full refund of your first transaction for any reason during that 72-hour window, unless a law or court requires the money to be held. If you report a fraudulent transmission within 30 days and give a police report or sworn statement, the operator must refund fees. For your first transaction and any made within 14 days of it, the operator must refund the full amount and fees after such a report. Refunds must be sent by cash, ACH, or mailed check within 10 business days, unless the operator promptly reports suspected fraud and waits for the investigation to end.
New licensing and oversight for crypto kiosks
Starting July 1, 2026, Kansas treats virtual currency kiosk activity as money transmission. Kiosk owners and others who run or market kiosks must hold a money transmitter license; unlicensed operators must apply within 60 days after July 1, 2026, and must stop if denied. The attorney general and law enforcement can investigate reported fraudulent transmissions, and transmitters must cooperate as allowed by law. Licensees may use certain investments or a standby letter of credit that the commissioner can draw on in insolvency. Key personnel changes have notice and review timelines, most commissioner records are confidential until July 1, 2030, and several older money‑transmission sections are repealed.
New rules for tech-enabled fiduciary firms
Kansas changes how technology‑enabled fiduciary financial institutions are governed. The state bank commissioner and other state agencies cannot serve as receiver if such a firm fails. The law updates many definitions used for these institutions and repeals listed statutes tied to this area.
Data security rules for earned wage access
Earned wage access providers are now covered by Kansas’s financial information‑security law. They must follow rules on how customer data is handled and protected.
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
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
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
3/26/2026HouseMotion to accede adopted; Senator Dietrich, Senator Fagg and Senator Miller appointed as conferees
3/24/2026SenateNonconcurred with amendments; Conference Committee requested; appointed Representative Hoheisel , Representative Stiens and Representative Xu as conferees
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 Committee on Financial Institutions and Insurance
3/17/2026SenateHearing: Wednesday, March 11, 2026, 9:30 AM Room 546-S
3/11/2026SenateReferred to 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
2/18/2026HouseCommittee of the Whole - Motion to Amend - Offered by Representative Caiharr
2/17/2026HouseCommittee of the Whole - Amendment by Representative Caiharr was adopted
2/17/2026HouseCommittee of the Whole - Be passed as amended
2/17/2026HouseCommittee Report recommending bill be passed by 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 Committee on Financial Institutions and Pensions
1/29/2026House
Bill Text
As Amended by House Committee of the Whole
As Amended by Senate Committee
As introduced
Enrolled
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