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Florida crypto ATM (bitcoin kiosk) law
Status: Daily limits / fee caps
Starting January 1, 2027 (ch. 2026-178, Laws of Florida, CS/HB 505; Fla. Stat. §§ 560.601–560.607): new customers (fewer than 7 days with the kiosk business) up to $2,000 per calendar day; existing customers up to $10,000 per calendar day, across all kiosks. Kiosks must show an on-screen fraud warning and give a receipt. Full refund within 72 hours of a customer's first transaction if the customer reports the fraud to the kiosk business and to a law-enforcement or government agency within 60 days and gives proof such as a police report or notarized affidavit. Kiosk businesses must register with the Office of Financial Regulation from March 1, 2027 (licensed money transmitters are exempt).
Source: laws.flrules.org (Ch. 2026-178, Laws of Florida (CS/HB 505, approved June 26, 2026): limits, warning, receipt and refund effective Jan 1, 2027; registration effective Mar 1, 2027) · checked 2026-11-04
Transaction limits vs. scam rules
| Transaction limits | |
|---|---|
| Daily limit | $10,000/day (existing customers), from Jan 1, 2027 |
| New-customer limit | $2,000/day (fewer than 7 days as a customer), from Jan 1, 2027 |
| Refund rule | Full refund of the first transaction within 72 hours if fraud is reported to the operator and to law enforcement or a government agency within 60 days, with proof (e.g. police report or notarized affidavit), from Jan 1, 2027 |
| Scam rules | |
| Warnings required | On-screen fraud warning required before each transaction, from Jan 1, 2027 |
| Fee cap | No fee cap in ch. 2026-178 (receipt must show the total fee) |
| Refund rights | Full refund of the first transaction within 72 hours if fraud is reported to the operator and to law enforcement or a government agency within 60 days, with proof (e.g. police report or notarized affidavit), from Jan 1, 2027 |
Source for this table: laws.flrules.org, Ch. 2026-178, Laws of Florida (CS/HB 505, approved June 26, 2026): limits, warning, receipt and refund effective Jan 1, 2027; registration effective Mar 1, 2027; checked 2026-11-04. "Unknown" means we couldn't confirm it in the official source, not that no rule exists.
Crypto ATM scam losses in Florida
In 2025, people in Florida filed 1,213 complaints with the FBI's Internet Crime Complaint Center (IC3) involving crypto kiosks, reporting $32,765,444 in losses.
Nationally: 13,460 complaints and $388.98 million in losses.
Source: FBI IC3, Cryptocurrency Kiosk Complaint Data By State (May 15, 2026). IC3 notes these complaints may also include other transaction types, so not all losses are from kiosks alone. Checked 2026-10-22.
New crypto law this month (October 2026)
No new state crypto law found this month (checked 2026-10-22).
Scam warning: no government agency, bank or business will ever ask you to pay with a crypto ATM. If someone does, it's a scam. Report it to local police and the FBI at ic3.gov.
More for Florida
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- Ask Counselor: Florida ATM rules
- Crypto ATM laws in every state we've checked
- Crypto tax by state
Not legal advice. Laws change; check the linked source.
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