Delaware payments and fintech laws

What Delaware has enacted on payments and fintech, what each law requires, and what the bills still moving would do. Delaware is one of 42 states that enacted a payments and fintech law in the 2025 and 2026 sessions.

Bills in scope
9bills in scope
Past committee
8past committee
Most recent action
14 September 2026most recent action

Payments and fintech laws enacted in Delaware

4 payments and fintech laws enacted in the Delaware Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • HB 465AN ACT TO AMEND TITLE 11 OF THE DELAWARE CODE RELATING TO VIRTUAL CURRENCY.Enacted 14 September 2026

    What it does: Adds virtual currency to Delaware's criminal code definitions of property, funds, pecuniary value, and items subject to search and seizure, enabling prosecution of virtual currency theft and money laundering while allowing courts to order disposition of seized virtual currency.

    Money transmission and licensing, Virtual currency and crypto kiosks, Payment fraud and scams

  • SB 16AN ACT TO AMEND TITLE 5 OF THE DELAWARE CODE RELATING TO DELAWARE BANKS AND TRUST COMPANIES.Enacted 6 July 2026

    What it does: Amends the application requirements for out-of-state state banks or out-of-state state trust companies seeking to apply for a charter with the State Bank Commissioner by clarifying the filing procedures under subsection (d).

    Virtual currency and crypto kiosks

  • SB 18AN ACT TO AMEND TITLE 5 OF THE DELAWARE CODE RELATING TO MONEY TRANSMISSION.Enacted 6 July 2026

    What it does: Amends Delaware's money transmission law to clarify that control of virtual currency does not include ability to terminate fraudulent transactions, excludes certain digital assets and non-investment tokens from virtual currency definition, and narrows virtual-currency business activity to exclude peer-to-peer exchanges and software development.

    Money transmission and licensing, Virtual currency and crypto kiosks

  • SB 19AN ACT TO AMEND TITLE 5 OF THE DELAWARE CODE RELATING TO STABLECOINS.Enacted 6 July 2026

    What it does: Removes registration requirements for federally supervised stablecoin entities, eliminates the need for regulatory framework comparison in reciprocal licensing, and allows out-of-state licensed applicants to obtain Delaware licenses without establishing a separate legal entity.

    Virtual currency and crypto kiosks

Payments and fintech in Delaware, by topic

Payments and fintech bills in Delaware

The bills not yet law, furthest along first, with what each would do.

4Enacted

4Past committee

1Introduced or inactive

9 bills in scope

Past committee

4

HB 441AN ACT TO AMEND TITLE 6 OF THE DELAWARE CODE RELATING TO CRYPTOCURRENCY KIOSKS.Passed chamberHB 315AN ACT TO AMEND TITLE 6 OF THE DELAWARE CODE RELATING TO CREDIT CARD FEES.Passed committee
SB 137AN ACT TO AMEND TITLE 5 OF THE DELAWARE CODE RELATING TO EARNED WAGE ACCESS SERVICES PROVIDERS.Passed committee

What it would do: Creates a licensing framework for earned wage access services providers under the State Bank Commissioner, requiring licensees to obtain licenses, maintain surety bonds up to $35,000, and comply with consumer protection requirements including fee disclosure, no-cost options, and prohibitions on collection actions and credit checks.

HB 45AN ACT TO AMEND TITLE 6 OF THE DELAWARE CODE RELATING TO SALES OF FIREARMS, FIREARM ACCESSORIES, AND AMMUNITION.Passed committee

What it would do: Requires payment card networks to make available the merchant category code for firearms and ammunition businesses to merchant acquirers by July 1, 2025, and requires merchant acquirers to assign this code to firearms merchants by October 1, 2025. Authorizes the Department of Justice to enforce violations with civil fines of $10,000 per violation, injunctive relief, and attorneys' fees.

Introduced or inactive

1

SB 89AN ACT TO AMEND TITLE 6 OF THE DELAWARE CODE RELATING TO CREDIT CARD TRANSACTIONS.In committee

Bill titles link to the Delaware Legislature's own page.

What LawSignals covers

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 Delaware have a payments and fintech law?

Yes. Delaware enacted 4 payments and fintech laws in the 2025 and 2026 sessions, among them HB 465, SB 16 and SB 18. Each is listed on this page with what it requires.

Which payments and fintech bills are moving in Delaware?

4 bills not yet law have passed a committee or a chamber, the furthest along HB 441 (passed chamber), HB 315 (passed committee) and SB 137 (passed committee).

What does Delaware legislate on most in payments and fintech?

Virtual currency and crypto kiosks (5 bills), Money transmission and licensing (2 bills) and Interchange and card networks (2 bills).

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 Delaware

Payments and fintech legislation in other jurisdictions

51 more currently hold bills in this tracker

Know when Delaware'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.

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