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 / Maryland

Maryland crypto ATM (bitcoin kiosk) law

Q: Does Maryland limit crypto ATMs?

Daily limits / fee caps. New users (first transaction and the next 72 hours) up to $2,000 a day; experienced users up to $10,500 a day, across all kiosks (Md. Fin. Inst. § 12-1204). Fees capped at the greater of $5 or 15%; fees refunded on transactions verified as fraudulent. On-screen fraud warning required (§ 12-1205). Since Oct 1, 2026 (Ch. 417, SB 741), the law also covers software operators and bars kiosks from offering ATM services. (source: mgaleg.maryland.gov, checked 2026-11-04).

Status: Daily limits / fee caps

New users (first transaction and the next 72 hours) up to $2,000 a day; experienced users up to $10,500 a day, across all kiosks (Md. Fin. Inst. § 12-1204). Fees capped at the greater of $5 or 15%; fees refunded on transactions verified as fraudulent. On-screen fraud warning required (§ 12-1205). Since Oct 1, 2026 (Ch. 417, SB 741), the law also covers software operators and bars kiosks from offering ATM services.

Source: mgaleg.maryland.gov (Md. Fin. Inst. §§ 12-1204, 12-1205; Ch. 417 of 2026) · checked 2026-10-22

Transaction limits vs. scam rules

Transaction limits
Daily limit	$10,500/day (experienced users)
New-customer limit	$2,000/day (first 72 hours)
Refund rule	Fees refunded on transactions verified as fraudulent
Scam rules
Warnings required	On-screen scam warning and disclosures that the user must accept
Fee cap	Greater of $5 or 15%
Refund rights	Fees refunded on transactions verified as fraudulent

Source for this table: mgaleg.maryland.gov, Md. Fin. Inst. §§ 12-1204, 12-1205; Ch. 417 of 2026; checked 2026-10-22. "Unknown" means we couldn't confirm it in the official source, not that no rule exists.

Crypto ATM scam losses in Maryland

In 2025, people in Maryland filed 253 complaints with the FBI's Internet Crime Complaint Center (IC3) involving crypto kiosks, reporting $4,127,430 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)

Oct 1, 2026: Ch. 417 (SB 741) took effect, extending kiosk rules to software operators and barring kiosks from offering ATM services. Daily limits did not change.

Source: mgaleg.maryland.gov

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 Maryland

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

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