Wisconsin payments and fintech laws

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

Bills in scope
8bills in scope
Past committee
4past committee
Most recent action
9 April 2026most recent action

Payments and fintech laws enacted in Wisconsin

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

  • AB 968Relating to: virtual currency kiosks.Enacted 9 April 2026

    What it requires: Virtual currency kiosk operators must be licensed and must verify customer identity before each transaction by collecting specified information and obtaining government-issued identification. Operators must affix fraud warnings to kiosks, limit daily transactions to $500 per customer, cap fees at the greater of $5 or 3 percent, provide live customer service, and issue refunds within 30 days upon fraud notification.

    Virtual currency and crypto kiosks

  • AB 1025Relating to: earned wage access services.Enacted 3 April 2026

    What it requires: Licensees offering earned wage access services must not charge fees exceeding $5 for advances of $75 or less, or $7.50 for advances greater than $75. The division shall adjust these maximum fees beginning January 1, 2030, and every 5 years thereafter to reflect changes in the U.S. consumer price index.

    Earned wage access

  • AB 930Relating to: correcting a cross-reference related to enforcement of regulations applicable to earned wage access service providers (suggested as remedial legislation by the Department of Financial Institutions).Enacted 27 March 2026

    What it does: Amends Wisconsin statute 203.02(3) to correct a cross-reference from sections 217.17 and 217.18 to section 217.11 regarding the division's powers to conduct hearings, take testimony, and secure evidence in enforcement of earned wage access service provider regulations.

    Earned wage access

Payments and fintech in Wisconsin, by topic

Payments and fintech bills in Wisconsin

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

3Enacted

1Past committee

4Introduced or inactive

8 bills in scope

Past committee

1

AB 894Relating to: terms and conditions of gift certificates, gift cards, and other gift obligations and providing a penalty.Passed chamber

What it would do: Prohibits selling gift obligations with expiration dates earlier than 5 years after sale or last reload, and restricts dormancy fees to once monthly only after one year of inactivity with clear disclosure. Provides private right of action for twice the pecuniary loss or $200 per violation, plus attorney fees, and state enforcement authority.

Introduced or inactive

4

AB 230Relating to: requiring retail sellers to accept cash and providing a penalty. (FE)Dead

What it would do: Requires retail sellers operating from physical locations to accept cash for face-to-face sales with consumers at one or more points of sale, unless prohibited by law. Authorizes the department or district attorneys to seek forfeitures of $200 to $5,000 per violation and injunctive relief.

AB 471Relating to: the regulation of digital assets.Dead

What it would do: Prohibits state agencies and political subdivisions from restricting persons from accepting digital assets as payment, holding digital assets in self-hosted or hardware wallets, operating blockchain nodes, developing blockchain software, transferring digital assets, or participating in staking. Excludes certain blockchain activities from money transmission regulation.

AB 823Relating to: healthy food incentive program funding, payment processing equipment and services for farmers’ markets and farmers, and making an appropriation. (FE)Dead

What it would do: Creates a payment processing program administered by the Department of Health Services to provide electronic benefit transfer and credit/debit card processing equipment and services to farmers' markets and farmers selling directly to consumers, funded with $367,500 biennially and requiring vendors to also process local purchasing incentives.

SB 951Relating to: creating the Office of Financial Technology Innovation in the Department of Financial Institutions and a cryptocurrency pilot project, granting rule-making authority, and making an appropriation. (FE)Dead

What it would do: Creates the Office of Financial Technology Innovation in the Department of Financial Institutions to support responsible financial innovation and assist businesses offering innovative financial products. Establishes a cryptocurrency pilot project funded with 2,000,000 dollars annually through June 30, 2030, to educate the public and businesses on cryptocurrency adoption and award grants.

Bill titles link to the Wisconsin 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 Wisconsin have a payments and fintech law?

Yes. Wisconsin enacted 3 payments and fintech laws in the 2025 and 2026 sessions, among them AB 968, AB 1025 and AB 930. Each is listed on this page with what it requires.

Which payments and fintech bills are moving in Wisconsin?

1 bill not yet law has passed a committee or a chamber, the furthest along AB 894 (passed chamber).

What does Wisconsin legislate on most in payments and fintech?

Virtual currency and crypto kiosks (3 bills), Earned wage access (2 bills) and Card surcharges and payment fees (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 Wisconsin

Payments and fintech legislation in other jurisdictions

51 more currently hold bills in this tracker

Know when Wisconsin'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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