Colorado payments and fintech laws
What Colorado has enacted on payments and fintech, what each law requires, and what the bills still moving would do. Colorado is one of 42 states that enacted a payments and fintech law in the 2025 and 2026 sessions.
- Bills in scope
- 6bills in scope
- Past committee
- 4past committee
- Most recent action
- 4 June 2026most recent action
Payments and fintech laws enacted in Colorado
2 payments and fintech laws enacted in the Colorado Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Owners or operators of virtual currency kiosks must disclose material risks, terms, conditions, and transaction details to customers in clear English before transactions. They must provide electronic receipts after completion, enforce daily transaction limits of two thousand dollars for new customers and ten thousand five hundred dollars for existing customers, and issue full refunds for fraudulent first transactions meeting specified conditions within seventy-two hours.
Virtual currency and crypto kiosks
What it requires: Persons must obtain a license from the Banking Board before engaging in money transmission, including selling or issuing payment instruments, selling or issuing stored value, or receiving money for transmission in Colorado. Licensees must maintain permissible investments and comply with net worth and bonding requirements. Licensees must report material changes and renew licenses annually.
Money transmission and licensing
Payments and fintech in Colorado, by topic
Interchange and card networks
2 bills. Enacted in 6 states.
Earned wage access
2 bills. Enacted in 7 states.
Money transmission and licensing
1 bill, 1 enacted. Enacted in 24 states.
Virtual currency and crypto kiosks
1 bill, 1 enacted. Enacted in 34 states.
Payments and fintech bills in Colorado
The bills not yet law, furthest along first, with what each would do.
2Enacted
1Cleared both chambers
1Past committee
2Introduced or inactive
6 bills in scope
Cleared both chambers
1
Past committee
1
What it would do: Prohibits payment card networks from fixing interchange fees, charging fees on taxes and gratuities, requiring merchants to accept all cards from an issuer, and imposing penalties for lawful pricing. Caps interchange fees for charitable contributions at 0.2% for debit cards and 0.3% for credit cards.
Introduced or inactive
2
What it would do: Creates a licensing regime for earned-wage access service providers, requiring licensure by the Attorney General beginning January 1, 2027, and establishing provider duties, prohibited practices, fee caps, and enforcement mechanisms.
What it would do: Creates a licensing and regulatory framework for earned-wage access service providers in Colorado, requiring licensure by January 1, 2026, and establishing consumer protections including fee caps, disclosure requirements, and prohibited practices like credit reporting and late fees.
Bill titles link to the Colorado Legislature's own page.
What counts as payments and fintech legislation
In scope: Money transmission and licensing; virtual currency and crypto kiosks; card surcharges and payment fees; interchange and card networks; earned wage access; bNPL and bank partnerships; prepaid, gift cards and P2P; and payment fraud and scams.
Questions
Does Colorado have a payments and fintech law?
Yes. Colorado enacted 2 payments and fintech laws in the 2025 and 2026 sessions, among them SB 25-079 and HB 25-1201. Each is listed on this page with what it requires.
Which payments and fintech bills are moving in Colorado?
2 bills not yet law have passed a committee or a chamber, the furthest along SB 134 (vetoed) and HB 25-1282 (passed chamber).
What does Colorado legislate on most in payments and fintech?
Interchange and card networks (2 bills), Earned wage access (2 bills) and Money transmission and licensing (1 bill).
Are these summaries reviewed by a lawyer?
No. Which bills count as Payments and fintech bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Colorado
- AI in Colorado23
- Alcohol in Colorado10
- Cannabis in Colorado14
- Children's Online Safety in Colorado9
- Cybersecurity in Colorado3
- Data center and energy in Colorado5
- Data Privacy in Colorado13
- Employment in Colorado38
- Healthcare in Colorado99
- Insurance in Colorado56
- Intellectual Property in Colorado4
- Packaging and PFAS in Colorado4
- Rental housing in Colorado21
- Tobacco and nicotine in Colorado3
- Transportation in Colorado7
- All jurisdictions
Payments and fintech legislation in other jurisdictions
51 more currently hold bills in this tracker
- New Jersey66
- Congress61
- New York38
- Texas32
- Michigan28
- Massachusetts27
- Oklahoma24
- Mississippi21
- Florida20
- Illinois18
- Missouri18
- Connecticut17
- Minnesota17
- Maryland16
- California15
- Hawaii13
- West Virginia13
- Arizona12
- Iowa12
- Louisiana12
- Montana12
- Pennsylvania12
- Rhode Island12
- Virginia12
- Indiana11
- Maine11
- Washington11
- Nebraska10
- Tennessee10
- Delaware9
- Kentucky9
- Utah9
- Arkansas8
- Georgia8
- South Carolina8
- Vermont8
- Wisconsin8
- Idaho7
- North Carolina7
- Ohio7
- Alaska6
- Kansas6
- New Hampshire6
- South Dakota6
- Alabama5
- Puerto Rico5
- Nevada4
- Wyoming4
- North Dakota3
- New Mexico3
- Oregon3
Know when Colorado's payments and fintech law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.