New Payments and Fintech laws 2027: state payments and fintech laws taking effect in 2027
9 new state laws on payments and fintech take effect in 2027. Each is listed below with its date, what it does and a link to the official text.
- 8 laws take effect on 1 January 2027, 5 of them in California.
- Later in 2027: 1 on 5 May 2027.
- 5 states have dated laws so far. Most: California (5), Florida (1) and Maryland (1).
Updated 27 October 2026By state
One-line summaries are drafted by software from the bill text and are not reviewed by an attorney.
New payments and fintech laws in 2027
California AB 1180: Department of Financial Protection and Innovation: state payments.
Some duties start later: the text names an operative date.
California AB 1683: Workers' compensation: prepaid cards.
Extends indefinitely the authorization for employers to deposit workers' compensation disability indemnity payments into prepaid card accounts that meet specified requirements and disclosure standards.
California AB 1793: Cash payments: calculation.
Some duties start later: the text names an operative date.
California SB 1208: Money laundering: digital assets.
California SB 505: Money Transmission Act: authentication.
Some duties start later: the text names an operative date.
Florida HB 505: Virtual Currency Kiosks
Earliest of several dates in this law.
Maryland HB 1355: Financial Institutions - Payment Stablecoin Services - Establishment and Regulation (Maryland Stablecoin Act)
Tennessee HB 2502: Banks and Financial Institutions - As enacted, clarifies that the service of transmitting money from a location originating in this state to a location outside of the United States or its territories is a taxable service and that such a tax is generally levied on the amount of money transmitted; requires revenues generated from such a tax to be allocated to certain funds and purposes. - Amends TCA Title 4; Title 38; Title 39; Title 45; Title 47; Title 49 and Title 67.
Utah SB 298: Programmable Money Amendments
Next year's payments and fintech laws are bills now. Follow them in every state with the Payments and Fintech Tracker.
New payments and fintech laws in 2027 by state
New California payments and fintech laws in 2027
- AB 1180, Department of Financial Protection and Innovation: state payments. 1 January 2027
- AB 1683, Workers' compensation: prepaid cards. 1 January 2027
- AB 1793, Cash payments: calculation. 1 January 2027
- SB 1208, Money laundering: digital assets. 1 January 2027
- SB 505, Money Transmission Act: authentication. 1 January 2027
New Florida payments and fintech laws in 2027
- HB 505, Virtual Currency Kiosks. 1 January 2027
New Maryland payments and fintech laws in 2027
- HB 1355, Financial Institutions - Payment Stablecoin Services - Establishment and Regulation (Maryland Stablecoin Act). 1 January 2027
New Tennessee payments and fintech laws in 2027
- HB 2502, Banks and Financial Institutions - As enacted, clarifies that the service of transmitting money from a location originating in this state to a location outside of the United States or its territories is a taxable service and that such a tax is generally levied on the amount of money transmitted; requires revenues generated from such a tax to be allocated to certain funds and purposes. - Amends TCA Title 4; Title 38; Title 39; Title 45; Title 47; Title 49 and Title 67. 1 January 2027
New Utah payments and fintech laws in 2027
- SB 298, Programmable Money Amendments. 5 May 2027
Questions about new payments and fintech laws in 2027
When do new payments and fintech laws take effect in 2027?
Most take effect on 1 January 2027. Of the 9 state laws listed here, 8 start on 1 January 2027 and 1 start on 5 May 2027. In California, a statute from a regular session takes effect on the 1 January after 90 days from enactment unless it is an urgency measure (Cal. Const. art. IV, sec. 8(c)(1)).
What new payments and fintech laws take effect on 1 January 2027?
8 laws in payments and fintech, including California AB 1180 (Department of Financial Protection and Innovation: state payments), California AB 1683 (Workers' compensation: prepaid cards), California AB 1793 (Cash payments: calculation), California SB 1208 (Money laundering: digital assets) and California SB 505 (Money Transmission Act: authentication). The full list, with what each one does, is above.
Which states have the most new payments and fintech laws in 2027?
California with 5, Florida with 1, Maryland with 1, Tennessee with 1 and Utah with 1, in the topics covered here.
Why is my state missing?
Many states never write a date into the bill and rely on a default rule instead, so a law appears here once its date can be read from the text.
Is this legal advice?
No. Dates and the one-line summaries are drafted by software from the bill text and are not reviewed by an attorney. Each law links to the legislature’s own record: check the text before relying on it.
Know 2028's new payments and fintech laws while they are still bills
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