All Roll Calls
Yes: 215 • No: 12
North DakotaHB 14472025 Regular SessionHouseWALLET
AN ACT to create and enact sections 13-09.1-50, 13-09.1-51, 13-09.1-52, 13-09.1-53, and 13-09.1-54 of the North Dakota Century Code, relating to virtual-currency kiosks; and to amend and reenact section 13-09.1-44 of the North Dakota Century Code, relating to virtual-currency kiosks.
Sponsored By: Steve Swiontek (Republican)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 2 benefits, 2 costs, 0 mixed.
Stronger fraud checks at crypto kiosks
North Dakota crypto kiosk operators must use blockchain analysis software to help detect and prevent suspicious activity. They must prevent transfers of purchased crypto to wallets known to be linked to fraud; the commissioner can request proof of software use. Written antifraud policies must identify risks, set controls, assign monitoring duties, and provide for regular review and updates. Operators must also follow written policies for closer customer and transaction checks, approved by their board or equivalent governing body.
More safeguards for crypto kiosk customers
North Dakota crypto kiosks must have commercially accessible sites, space for people with mobility limits, adequate lighting, and surveillance. Operators must give clear disclosures in your chosen language and get your consent, including warnings about fraud and irreversible transactions. Disclosures must explain amounts, fees, exchange rates, risks, limits, policies, and operator contact details. Afterward, operators must offer a paper or digital receipt in that language, protected by two-step identification, with transaction, contact, fee, exchange-rate, liability, and refund information. They must display a toll-free number and provide live help Monday through Friday, at least 8 a.m.–10 p.m. Central Time.
Crypto kiosk customers face daily cap
North Dakota crypto kiosk operators cannot accept more than $2,000 in cash, or its crypto equivalent, per customer per calendar day. The cap combines transactions across all kiosks run by the same operator within the state.
Crypto kiosk operators face staffing rules
Crypto kiosk operators need a North Dakota money transmitter license to conduct, or offer to conduct, virtual-currency business for others. Licensed operators must follow the state's money transmitter rules. Each operator must employ a qualified, full-time compliance officer and a qualified, full-time consumer protection officer. Neither officer may own more than 20% of the operator. Required state and federal compliance duties must be performed by the operator's full-time employees.
Sponsors & Cosponsors
Sponsor
Steve Swiontek
Republican • House
Cosponsors
Josh Christy
Republican • House
Karla Rose Hanson
Democratic • House
Pat D. Heinert
Republican • House
Jeremy Olson
Republican • House
David Richter
Republican • House
Austen Schauer
Republican • House
Kathy Hogan
Democratic • Senate
Jerry Klein
Republican • Senate
Judy Lee
Republican • Senate
Dean Rummel
Republican • Senate
Jonathan Sickler
Republican • Senate
Roll Call Votes
House vote • 4/2/2025
Second reading, passed, yeas 83 nays 8
Yes: 83 • No: 8
Senate vote • 3/18/2025
Second reading, passed as amended, yeas 45 nays 1
Yes: 45 • No: 1
House vote • 2/17/2025
Second reading, passed, yeas 87 nays 3
Yes: 87 • No: 3
Actions Timeline
Filed with Secretary Of State 04/11
4/14/2025HouseSigned by Governor 04/10
4/11/2025HouseSent to Governor
4/8/2025HouseSigned by Speaker
4/8/2025HouseSigned by President
4/4/2025SenateSecond reading, passed, yeas 83 nays 8
4/2/2025HouseConcurred
4/2/2025HouseReturned to House (12)
3/19/2025HouseSecond reading, passed as amended, yeas 45 nays 1
3/18/2025SenateAmendment adopted, placed on calendar
3/17/2025SenateReported back amended, do pass, amendment placed on calendar 5 0 0
3/14/2025SenateCommittee Hearing 10:00
3/10/2025SenateIntroduced, first reading, referred Industry and Business Committee
2/18/2025SenateReceived from House
2/18/2025SenateSecond reading, passed, yeas 87 nays 3
2/17/2025HouseAmendment adopted, placed on calendar
2/14/2025HouseReported back amended, do pass, amendment placed on calendar 12 0 2
2/13/2025HouseCommittee Hearing 10:00
1/22/2025HouseIntroduced, first reading, referred Industry, Business and Labor Committee
1/15/2025House
Bill Text
Adopted by the Senate Industry and Business Committee
Enrollment
FIRST ENGROSSMENT
FIRST ENGROSSMENT with Senate Amendments
INTRODUCED
Prepared by the Legislative Council staff for Representative Koppelman
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