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 / North Carolina

North Carolina crypto ATM (bitcoin kiosk) law

Q: Does North Carolina limit crypto ATMs?

Daily limits / fee caps. Starting January 1, 2027 (S.L. 2026-45): new customers up to $2,000 a day, existing customers up to $5,000 a day. Fees, including spread, capped at 12%. 48-hour hold for customers in their first 7 days. Full refunds for new customers in fraud cases the Commissioner confirms. (source: ncleg.gov, checked 2026-11-04).

Status: Daily limits / fee caps

Starting January 1, 2027 (S.L. 2026-45): new customers up to $2,000 a day, existing customers up to $5,000 a day. Fees, including spread, capped at 12%. 48-hour hold for customers in their first 7 days. Full refunds for new customers in fraud cases the Commissioner confirms.

Source: ncleg.gov (S.L. 2026-45) · checked 2026-10-19

Transaction limits vs. scam rules

Transaction limits
Daily limit	$5,000/day (existing), from Jan 1, 2027
New-customer limit	$2,000/day; 48-hour hold in first 7 days
Refund rule	Full refunds for new customers in Commissioner-confirmed fraud
Scam rules
Warnings required	Unknown (not confirmed in an official source)
Fee cap	12% incl. spread
Refund rights	Full refunds for new customers in Commissioner-confirmed fraud

Source for this table: ncleg.gov, S.L. 2026-45; 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 North Carolina

In 2025, people in North Carolina filed 491 complaints with the FBI's Internet Crime Complaint Center (IC3) involving crypto kiosks, reporting $12,616,653 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 North Carolina

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

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