North Dakota payments and fintech laws
What North Dakota has enacted on payments and fintech, what each law requires, and what the bills still moving would do. North Dakota is one of 42 states that enacted a payments and fintech law in the 2025 and 2026 sessions.
- Bills in scope
- 3bills in scope
- Past committee
- 3past committee
- Most recent action
- 11 June 2025most recent action
Payments and fintech laws enacted in North Dakota
2 payments and fintech laws enacted in the North Dakota Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
- SB 2002AN ACT to provide an appropriation for defraying the expenses of the judicial branch; to provide an appropriation to the office of guardianship and conservatorship; to create and enact a new subsection to section 54-06-08.2 of the North Dakota Century Code, relating to credit and debit card fees; to amend and reenact sections 27-02-02 and 27-05-03 of the North Dakota Century Code, relating to the salaries of justices of the supreme court and salaries of district court judges; to provide for transfers; to provide for a report; and to provide an exemption.Enacted 11 June 2025
Card surcharges and payment fees
- HB 1447AN ACT to create and enact sections 13-09.1-50, 13-09.1-51, 13-09.1-52, 13-09.1-53, and 13-09.1-54 of the North Dakota Century Code, relating to virtual-currency kiosks; and to amend and reenact section 13-09.1-44 of the North Dakota Century Code, relating to virtual-currency kiosks.Enacted 14 April 2025
What it requires: Virtual currency kiosk operators must be licensed as money transmitters and comply with all money transmitter requirements. Operators must use blockchain analytics software to detect fraudulent activity, designate a full-time compliance officer, maintain antifrau policies, provide required disclosures and receipts, limit daily transactions to one thousand dollars per customer, cap fees at five dollars or three percent, and provide live customer service Monday through Friday 8 a.m. to 10 p.m. central time.
Virtual currency and crypto kiosks
Payments and fintech in North Dakota, by topic
Virtual currency and crypto kiosks
1 bill, 1 enacted. Enacted in 34 states.
Card surcharges and payment fees
1 bill, 1 enacted. Enacted in 14 states.
Earned wage access
1 bill. Enacted in 7 states.
Payments and fintech bills in North Dakota
The bills not yet law, furthest along first, with what each would do.
2Enacted
1Past committee
3 bills in scope
Past committee
1
What it would do: Creates a licensing and regulatory framework for earned wage access providers in North Dakota, requiring licensure from the commissioner of financial institutions, establishing transaction limits of $1,000 per consumer, capping fees at 10 percent, and imposing penalties including class C felony for unlicensed operation.
Bill titles link to the North Dakota 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 North Dakota have a payments and fintech law?
Yes. North Dakota enacted 2 payments and fintech laws in the 2025 and 2026 sessions, among them SB 2002 and HB 1447. Each is listed on this page with what it requires.
Which payments and fintech bills are moving in North Dakota?
1 bill not yet law has passed a committee or a chamber, the furthest along HB 1393 (passed chamber).
What does North Dakota legislate on most in payments and fintech?
Virtual currency and crypto kiosks (1 bill), Card surcharges and payment fees (1 bill) and Earned wage access (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 North Dakota
- AI in North Dakota6
- Alcohol in North Dakota6
- Cannabis in North Dakota6
- Children's Online Safety in North Dakota2
- Cybersecurity in North Dakota1
- Data center and energy in North Dakota4
- Data Privacy in North Dakota4
- Employment in North Dakota7
- Healthcare in North Dakota37
- Insurance in North Dakota29
- Intellectual Property in North Dakota2
- Rental housing in North Dakota8
- Tobacco and nicotine in North Dakota2
- Transportation in North Dakota3
- 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
- Colorado6
- Kansas6
- New Hampshire6
- South Dakota6
- Alabama5
- Puerto Rico5
- Nevada4
- Wyoming4
- New Mexico3
- Oregon3
Know when North Dakota'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.