What should I do if I was scammed at a crypto ATM?

No government agency, bank or business will ask you to pay with a crypto ATM. Contact the kiosk operator, local police and the FBI at ic3.gov right away, and check the source above for any state refund rule.

Home / Crypto ATM laws / Kentucky

Kentucky crypto ATM (bitcoin kiosk) law

Q: Does Kentucky limit crypto ATMs?

Daily limits / fee caps. Starting April 30, 2027 (SB 189, Acts ch. 126 of 2026): kiosk operators need a license from the Department of Financial Institutions. Up to $2,000 a day per user, and $10,500 total for a new user (first 30 days). New users get a 72-hour wait or a 72-hour cancel-and-refund right. Charges capped at the greater of $5 or 18%. (source: apps.legislature.ky.gov, checked 2026-11-04).

Status: Daily limits / fee caps

Starting April 30, 2027 (SB 189, Acts ch. 126 of 2026): kiosk operators need a license from the Department of Financial Institutions. Up to $2,000 a day per user, and $10,500 total for a new user (first 30 days). New users get a 72-hour wait or a 72-hour cancel-and-refund right. Charges capped at the greater of $5 or 18%.

Source: apps.legislature.ky.gov (SB 189 (Acts ch. 126, 2026)) · checked 2026-10-19

Transaction limits vs. scam rules

Transaction limits
Daily limit	$2,000/day per user, from Apr 30, 2027
New-customer limit	$10,500 total in first 30 days; 72-hour wait or 72-hour cancel-and-refund
Refund rule	New users' 72-hour cancel-and-refund right
Scam rules
Warnings required	Unknown (not confirmed in an official source)
Fee cap	Greater of $5 or 18%
Refund rights	New users' 72-hour cancel-and-refund right

Source for this table: apps.legislature.ky.gov, SB 189 (Acts ch. 126, 2026); checked 2026-10-19. "Unknown" means we couldn't confirm it in the official source, not that no rule exists.

Crypto ATM scam losses in Kentucky

In 2025, people in Kentucky filed 179 complaints with the FBI's Internet Crime Complaint Center (IC3) involving crypto kiosks, reporting $12,697,193 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.

Scammed at a crypto ATM? Do this now →

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 Kentucky

Not legal advice. Laws change; check the linked source.

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