SB 482-FN - AS INTRODUCED
2026 SESSION
26-2043
07/06
SENATE BILL 482-FN
AN ACT establishing consumer protections for digital access transaction kiosks.
SPONSORS: Sen. McGough, Dist 11; Sen. Pearl, Dist 17; Sen. Gannon, Dist 23; Sen. Rosenwald, Dist 13; Rep. Ammon, Hills. 42; Rep. Miles, Hills. 12; Rep. Potucek, Rock. 13; Rep. L. Walsh, Rock. 15
COMMITTEE: Commerce
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ANALYSIS
This bill establishes consumer protections for digital access transaction kiosks.
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Explanation: Matter added to current law appears in bold italics.
Matter removed from current law appears [in brackets and struckthrough.]
Matter which is either (a) all new or (b) repealed and reenacted appears in regular type.
26-2043
07/06
STATE OF NEW HAMPSHIRE
In the Year of Our Lord Two Thousand Twenty-Six
AN ACT establishing consumer protections for digital access transaction kiosks.
Be it Enacted by the Senate and House of Representatives in General Court convened:
1 Statement of Findings. The general court finds that digital asset transaction kiosks have been used by scammers to induce consumers, particularly older adults, to convert cash into digital assets and transfer the value of those assets irreversibly to criminals.
2 New Subdivision; Trade and Commerce; Regulation of Business Practices for Consumer Protection;
Digital Access Transaction Kiosks. Amend RSA 358-A by inserting after section 13 the following new subdivision:
Trade and Commerce; Regulation of Business Practices for Consumer Protection;
Digital Access Transaction Kiosks
358-A:14 Statement of Purpose. It is the intent of the general court that this subdivision establish reasonable and uniform consumer protections while permitting lawful and responsible digital access transaction kiosk operations.
358-A:15 Definitions.
I. “Customer” means a natural person using a kiosk.
II. “Digital asset” means a digital representation of value recorded on a distributed ledger or blockchain, including cryptocurrency.
III. “Digital asset transaction kiosk” or “kiosk” means a self-service electronic terminal located in a public or retail setting that enables a person to buy, sell, or transfer a digital asset using cash or other payment method without the assistance of a live teller.
IV. “First-time customer” means a consumer who is engaging in a transaction at a digital asset kiosk in this state and who has been registered as a customer of the owner or operator for less than 72 hours.
V. “Operator” means a person or entity that owns, manages, or controls one or more kiosks in this state, whether directly or through a third-party host location.
VI. “Reference price” means a real-time price for the covered digital asset derived from a widely-used public exchange or composite index designated by the attorney general by rule.
358-A:16 Registration and Coordination.
I. With respect to the first transaction for a new customer, an operator shall:
(a) ?Hold the first digital financial asset transaction made by a new consumer for a period of at least 48 hours, after which time the operator may complete the new consumer's digital financial asset transaction.
(b) Not permit a new consumer to complete a second digital financial asset transaction until the hold period under subparagraph (a) has lapsed.
II. During a hold period under paragraph I(a), a new consumer may contact the operator to request that the consumer's first digital financial asset transaction be canceled and the entire amount of the new consumer's first digital financial asset transaction be returned or refunded to the new consumer.
III. Prior to accepting payment from a user at a virtual currency kiosk, the kiosk operator, or its authorized delegate, shall verify the identity of the individual in a manner consistent with applicable state and federal laws.
IV. Operators shall not permit transactions under any false, fictitious, or assumed identity. All transactions shall be conducted under a user’s true and verifiable identity.
358-A:17 Core Consumer Protections.
I. For first time customers, an operator shall not accept or dispense, in the aggregate, more than $5,000 per customer per calendar day across all kiosks under common control within the United States.
II. For existing customers, an operator shall not accept or dispense, in the aggregate, more than $15,000 per customer per calendar day across all kiosks under common control within the United States.
III. Before accepting funds, all kiosks shall display conspicuous warnings, including that no government agency, law enforcement, court, utility, bank, tech support, employer, or retailer will ever demand payment by crypto ATM. The kiosk shall require the customer to answer fraud-screening prompts, including whether they are being coached by another person. If the customer indicates a risk of fraud, the kiosk shall block the transaction and display law enforcement and consumer protection and antitrust bureau contact information.
IV. Operators shall use commercially reasonable blockchain analytics to block transfers to or from wallet addresses flagged for association with scams, theft, sanctions, or other illicit activity, and shall maintain written anti-fraud and consumer protection policies.
V. Before accepting funds, kiosks shall disclose in writing and on-screen all fees, the spread between the operator’s price and the reference price, expressed as a percentage and dollar amount, and the total digital asset expected to be delivered.
VI. The kiosk shall provide a printed or electronic receipt summarizing the transaction, including the operator's name and toll-free live customer service phone number, the kiosk's location, a timestamp, the name of the asset, the quantity of the asset, the asset's reference price, the asset's spread, all fees paid, the total amount paid, the wallet address or voucher ID, and any applicable cancellation codes.
3 Effective Date. This act shall take effect January 1, 2027.
26-2043
11/18/25
SB 482-FN- FISCAL NOTE
AS INTRODUCED
AN ACT establishing consumer protections for digital access transaction kiosks.
FISCAL IMPACT:
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Estimated State Impact | ||||||
| FY 2026 | FY 2027 | FY 2028 | FY 2029 | ||
Revenue | $0 | $0 | $0 | $0 | ||
Revenue Fund | None | |||||
Expenditures* | Indeterminable | |||||
Funding Source | General Fund | |||||
Appropriations* | $0 | $0 | $0 | $0 | ||
Funding Source | None | |||||
*Expenditure = Cost of bill *Appropriation = Authorized funding to cover cost of bill | ||||||
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Estimated Political Subdivision Impact | ||||||
| FY 2026 | FY 2027 | FY 2028 | FY 2029 | ||
County Revenue | $0 | $0 | $0 | $0 | ||
County Expenditures | Indeterminable | |||||
Local Revenue | $0 | $0 | $0 | $0 | ||
Local Expenditures | Indeterminable | |||||
METHODOLOGY:
This bill adds, deletes, or modifies a criminal penalty, or changes statute to which there is a penalty for violation. Therefore, this bill may have an impact on the judicial and correctional systems, which could affect prosecution, incarceration, probation, and parole costs, for the state, as well as county and local governments. A summary of such costs can be found at: https://gencourt.state.nh.us/lba/Budget/Fiscal_Notes/JudicialCorrectionalCosts.pdf
AGENCIES CONTACTED:
Judicial Branch, Judicial Council, Department of Justice, Department of Corrections, New Hampshire Association of Counties, and New Hampshire Municipal Association
| Date | Body | Type |
|---|---|---|
| Feb. 3, 2026 | Senate | Hearing |
| Jan. 27, 2026 | Senate | Hearing |
Jan. 13, 2026: ==RESCHEDULED== Hearing: 01/27/2026, Room 100, SH, 09:45 am; SC 2
Jan. 13, 2026: ==CANCELLED== Hearing: 02/03/2026, Room 100, SH, 10:00 am; SC 1
Jan. 8, 2026: Hearing: 02/03/2026, Room 100, SH, 10:00 am; SC 1
Nov. 21, 2025: Introduced 01/07/2026 and Referred to Commerce; SJ 1