# Kansas HB 2591: 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.

Kansas HB 2591, 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., is a 2025–2026 Regular Session House bill sponsored by Committee on Financial Institutions and Pensions; status signed, last action 2026-04-09 (Reengrossed on Tuesday, March 31, 2026); PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/KS-HB2591-2025-2026
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Kansas HB 2591
- State: Kansas
- Session: 2025–2026 Regular Session
- Title: 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.
- Status: signed
- Chamber: House
- Introduced: 2026-01-29
- Last action: 2026-04-09, Reengrossed on Tuesday, March 31, 2026
- Sponsor: Committee on Financial Institutions and Pensions
- Cosponsors: 0
- Subjects: senate committee on financial institutions and insurance, house committee on financial institutions and pensions
- Touches household money: yes
- Roll calls: 8 (656 yes, 0 no in all)
- Economic provisions PRIA read: 10

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Crypto kiosk customers gain refund options: benefit, low. 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 commissione…
- Crypto kiosk customers get fee caps: benefit, low. 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…
- Crypto kiosk users get warnings and help: benefit, low. 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 s…
- More financial services must protect customer data: benefit, low. 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…
- Crypto kiosk operators face licensing oversight: benefit, low. 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 l…
- Banks can flag exploitation and delay transfers: mixed, medium. 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…
- Crypto kiosk users face transfer limits: mixed, medium. 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. Operator…
- Crypto kiosks add identity and fraud checks: mixed, low. 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; ope…
- State agencies cannot manage failed fiduciary firms: mixed, low. 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…
- Three older Kansas financial statutes repealed: mixed, low. 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 and cosponsors

- Sponsor: Committee on Financial Institutions and Pensions

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-04-23 | House | Yea: 124 Nay: 0 | pass | 124 | 0 |   |
| 2026-04-23 | House | Yea: 40 Nay: 0 | pass | 40 | 0 |   |
| 2026-04-23 | House | Yea: 40 Nay: 0 | pass | 40 | 0 |   |
| 2026-04-23 | House | Yea: 124 Nay: 0 | pass | 124 | 0 |   |
| 2026-03-26 | Senate | Conference Committee Report was adopted | pass | 40 | 0 |   |
| 2026-03-26 | House | Conference Committee Report was adopted | pass | 124 | 0 |   |
| 2026-03-19 | Senate | Final Action - Passed as amended | pass | 40 | 0 |   |
| 2026-02-18 | House | Final Action - Passed as amended | pass | 124 | 0 |   |

## Actions (24)

- 2026-04-09: Reengrossed on Tuesday, March 31, 2026 (House)
- 2026-04-09: Enrolled and presented to Governor on Friday, April 3, 2026 (House)
- 2026-04-09: Approved by Governor on Thursday, April 9, 2026 (House)
- 2026-03-26: Conference committee report now available (Senate)
- 2026-03-26: Conference Committee Report was adopted; Yea 40, Nay 0 (Senate)
- 2026-03-26: Conference Committee Report was adopted; Yea 124, Nay 0, Absent 1 (House)
- 2026-03-24: Motion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Silas Miller appointed as conferees (Senate)
- 2026-03-23: Nonconcurred with amendments; Conference Committee requested; appointed Rep. Nick Hoheisel, Rep. Angela Stiens and Rep. Rui Xu (House)
- 2026-03-19: Final Action - Passed as amended; Yea 40, Nay 0 (Senate)
- 2026-03-18: Committee of the Whole - Committee Report be adopted (Senate)
- 2026-03-18: Committee of the Whole - Be passed as amended (Senate)
- 2026-03-17: Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance (Senate)
- 2026-03-11: Hearing: Wednesday, March 11, 2026, 9:30 AM — Room 546-S (Senate)
- 2026-02-25: Referred to Senate Committee on Financial Institutions and Insurance (Senate)
- 2026-02-25: Engrossed on Friday, February 20, 2026 (House)
- 2026-02-24: Received and Introduced (Senate)
- 2026-02-18: Final Action - Passed as amended; Yea 124, Nay 0, Absent 1 (House)
- 2026-02-17: Committee of the Whole - Motion to Amend - Offered by Rep. Carolyn Caiharr (House)
- 2026-02-17: Committee of the Whole - Amendment by Rep. Carolyn Caiharr was adopted (House)
- 2026-02-17: Committee of the Whole - Be passed as amended (House)
- 2026-02-11: Committee Report recommending bill be passed by House Committee on Financial Institutions and Pensions (House)
- 2026-02-04: Hearing: Wednesday, February 4, 2026, 9:00 AM — Room 582-N (House)
- 2026-01-29: Introduced (House)
- 2026-01-29: Referred to House Committee on Financial Institutions and Pensions (House)

## Bill text

- As Amended by Senate Committee: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb2591_02_0000.pdf)
- As Introduced: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_00_0000.pdf)
- Enrolled: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_enrolled.pdf)
- {As Amended by House Committee of the Whole}: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_01_0000.pdf)

## Related bills

- SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and reconciling multiple amendments to certain statutes in the Kansas criminal code. (signed)
- SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage and the retail sale of higher ethanol blends of fuel, discontinuing the tax cred… (signed)
- SB 300: Providing for the apportionment of business income by manufacturers of alcoholic liquor depending on whether the taxpayer is a qualifying Kansas investor or a… (signed)
- HB 2029: Reconciling multiple amendments to certain statutes. (signed)
- HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creating the crime of interference with the conduct of a religious assembly, providin… (became law)
- HB 2036: Providing a Kansas income tax subtraction modification for certain amounts received as compensation for members of the armed forces. (failed)

## Sources
- [As Amended by Senate Committee (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb2591_02_0000.pdf)
- [As Introduced (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_00_0000.pdf)
- [Enrolled (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_enrolled.pdf)
- [{As Amended by House Committee of the Whole} (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2591/hb2591_01_0000.pdf)

## Related
- [SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and r…](https://policyrisk.com/state-bill/KS-SB430-2025-2026)
- [SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage…](https://policyrisk.com/state-bill/KS-SB82-2025-2026)
- [SB 300: Providing for the apportionment of business income by manufacturers of alcoholi…](https://policyrisk.com/state-bill/KS-SB300-2025-2026)
- [HB 2029: Reconciling multiple amendments to certain statutes.](https://policyrisk.com/state-bill/KS-HB2029-2025-2026)
- [HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creat…](https://policyrisk.com/state-bill/KS-HB2018-2025-2026)
- [HB 2036: Providing a Kansas income tax subtraction modification for certain amounts rece…](https://policyrisk.com/state-bill/KS-HB2036-2025-2026)
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Source: PRIA, https://policyrisk.com/state-bill/KS-HB2591-2025-2026 (as of 2026-10-17).