Oregon Bitcoin ATM Regulations
Oregon’s Division of Financial Regulation licenses money transmitters, but published consumer guidance has historically distinguished some digital currency exchange activity from licensed money transmission.
Review and sources
Summary reviewed: . Official source. This is a dated summary; later amendments may change these requirements.
Licensing requirements
Oregon requires businesses that provide money transmission services to hold a license with the Division of Financial Regulation.
At the same time, Oregon consumer guidance has historically explained that digital currency exchange companies that only turn cash into digital currency are not necessarily licensed money transmitters.
That makes Oregon a state where kiosk operators should analyze their exact flow of funds, holdings, and settlement path rather than assume every machine is automatically licensable or exempt.
Federal requirements
Even where Oregon licensing can be fact specific, federal MSB, AML, sanctions, and suspicious-activity rules remain important for kiosk operators.
- Register with FinCEN as a money services business when required by federal law.
- Maintain a written anti-money-laundering program, designate a compliance officer, and train kiosk support staff.
- Use customer identification, sanctions screening, and scam-escalation procedures sized to transaction risk.
- File Suspicious Activity Reports and Currency Transaction Reports when thresholds or facts require them.
Consumer protection
Oregon Division of Financial Regulation is the main public contact for scam complaints and consumer questions in Oregon.
Consumers can start with Oregon Division of Financial Regulation or call 888-877-4894.
- Oregon publishes consumer scam alerts about money transmission and digital currency fraud.
- Consumers should confirm whether a business is licensed and should not send money to strangers through kiosks or QR-code instructions.
- Oregon has revoked licenses where money transmission businesses created consumer risk.
Operator Requirements
Oregon is another state where the answer depends on what the kiosk is actually doing.
- Pure cash-to-crypto exchange has historically been discussed differently from broader money transmission.
- Holding customer fiat or crypto for transmission, settlement, or payout can change the analysis.
- Operators should review the most current DFR guidance and consider legal advice before launching service.
Sources and legislation
Primary state framework: Oregon money transmitter licensing rules and DFR virtual currency guidance.
Primary regulator: Oregon Division of Financial Regulation.
Oregon currently relies on its general licensing rules and DFR guidance instead of a Bitcoin ATM-specific statute.
Official source: state licensing and guidance materials.
Transaction limits and fees in Oregon
Our reviewed summary for Oregon records no kiosk-specific daily transaction limit or fee cap.
Without a state cap, limits and fees are set by each operator, and they vary widely — check the on-screen quote, including the exchange-rate spread, before inserting cash.
Key dates
- We last reviewed this summary against the official source on .
How Oregon compares
Oregon is among the 29 jurisdictions in our dataset without a kiosk-specific transaction limit; 18 others set one. See every state side by side on the regulations overview.
Rules change at the state line. If you live near a border, the kiosk you use may be governed by a neighbor's law:
| Neighboring state | Status | Daily limit | Fee cap |
|---|---|---|---|
| California | Active | $1,000/day | Greater of $5 or 15% |
| Idaho | General Licensing | None recorded | None recorded |
| Nevada | General Licensing | None recorded | None recorded |
| Washington | General Licensing | None recorded | None recorded |
Bitcoin ATM scam warnings
The biggest risk at a Bitcoin ATM is a scammer directing the payment. The same scripts appear in Oregon as nationwide:
- Government or police impersonation — a caller says you owe a fine or your accounts are frozen and must be "protected" in Bitcoin.
- Tech-support and bank-fraud alerts — a pop-up or call claims your computer or bank account is compromised.
- Romance and investment schemes — an online contact steers you to "invest" or send help through a kiosk.
- Utility shut-off threats — a caller demands immediate payment to keep service on.
No government agency, utility, bank, or legitimate business asks to be paid through a Bitcoin ATM. If someone is on the phone telling you which buttons to press or gives you a QR code to scan, stop. Bitcoin transactions are generally irreversible once confirmed.
Find a Bitcoin ATM in Oregon
Compare locations, operators, trust grades and reported hours in the Oregon Bitcoin ATM directory, or read how Bitcoin ATM fees work before you go.
Frequently asked questions
Are Bitcoin ATMs legal in Oregon?
Yes, Bitcoin ATMs can operate in Oregon. Oregon’s Division of Financial Regulation licenses money transmitters, but published consumer guidance has historically distinguished some digital currency exchange activity from licensed money transmission.
What is the Bitcoin ATM daily limit in Oregon?
Our reviewed summary records no kiosk-specific daily limit in Oregon; each operator sets its own limits, usually tied to how much identification you provide.
Is there a cap on Bitcoin ATM fees in Oregon?
Our reviewed summary records no statutory fee cap in Oregon. Total costs at Bitcoin ATMs commonly run well above exchange fees once the exchange-rate spread is included, so compare the final quote before paying.
Do Bitcoin ATM operators need a license in Oregon?
Oregon requires businesses that provide money transmission services to hold a license with the Division of Financial Regulation.
Where do I report a Bitcoin ATM scam in Oregon?
Contact the operator's support line immediately (the number is on the kiosk and receipt), then file reports with local police, the FBI's Internet Crime Complaint Center (ic3.gov), and the FTC (reportfraud.ftc.gov). You can also contact the Oregon regulator through the official source linked on this page.