New Hampshire payments and fintech laws

Payments and fintech laws enacted in New Hampshire

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

• HB 1207relative to certain laws applicable to state chartered banks, credit unions, trust companies, and other consumer credit entities subject to the authority of the banking department.Took effect 1 October 2026

  What it requires: New Hampshire state-chartered depository banks, credit unions, trust companies, and family trust companies must pay annual fixed base fees of $23,000 or $11,000 respectively instead of per-examination fees, effective July 1, 2027. Licensees of mortgage bankers, brokers, servicers, loan originators, money transmitters, and debt adjusters must pay increased application and renewal fees. Trust companies must submit applications to modify conditions of prior commissioner approvals.

• SB 482establishing consumer protections for digital access transaction kiosks.Takes effect 16 December 2026

  What it requires: Operators of digital asset transaction kiosks must hold a customer's first transaction for at least 48 hours before completion, verify customer identity, display fraud warnings and screening prompts, disclose all fees and spreads, provide receipts, use blockchain analytics to block illicit transfers, and refund fraudulently induced transactions within 14 days if reported to law enforcement.

  Virtual currency and crypto kiosks

• HB 1175relative to the offense of use of scanning device or reencoder to defraud.Takes effect 1 January 2027

  What it requires: A person is prohibited from knowingly using a scanning device to access, read, obtain, memorize, or store information encoded on the magnetic strip or integrated circuit chip of a payment card without permission of the authorized user and with intent to defraud. A person is also prohibited from knowingly using a reencoder to place such information onto a different card without permission and with intent to defraud.

  Payment fraud and scams

• SB 258establishing crimes related to the fraudulent use of gift cards.Enacted 3 July 2025

  Prepaid, gift cards and P2P, Payment fraud and scams

Payments and fintech in New Hampshire, by topic

• Payment fraud and scams

  2 bills, 2 enacted. Enacted in 21 states.

• Virtual currency and crypto kiosks

  1 bill, 1 enacted. Enacted in 34 states.

• Prepaid, gift cards and P2P

  1 bill, 1 enacted. Enacted in 14 states.