Pennsylvania Bitcoin ATM Regulations
Pennsylvania’s Act 7 of 2025 brought virtual currency transmission under the Commonwealth’s Money Transmitter Act, but it did not create a kiosk-only transaction cap regime.
Licensing Requirements
In June 2025, Pennsylvania announced that Act 7 of 2025 would treat the transmission of virtual currency the same as traditional money transmission under the Commonwealth’s Money Transmitter Act.
That means businesses facilitating virtual currency transmission for a fee are expected to meet the same licensure standards as other money transmitters.
Pennsylvania still does not have a separate kiosk-only Bitcoin ATM consumer-protection statute with daily caps or fee caps.
Federal Requirements
Federal rules still matter even where a state has no Bitcoin ATM-specific statute.
- 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 Resources
Pennsylvania Department of Banking and Securities / Commonwealth consumer hotline is the main public contact for scam complaints and consumer questions in Pennsylvania.
Consumers can start with Pennsylvania Department of Banking and Securities / Commonwealth consumer hotline or call 1-866-PACOMPLAINT.
- Pennsylvania launched a centralized consumer hotline and website for scam and complaint intake.
- Consumers should verify authorization and report suspicious digital asset transmission activity quickly.
- Preserve receipts, wallet addresses, and QR code images if you suspect fraud.
Legislative Reference
Primary state framework: Pennsylvania Money Transmitter Act as amended by Act 7 of 2025.
Primary regulator: Pennsylvania Department of Banking and Securities.
Act 7 of 2025 modernized Pennsylvania’s general money transmission law for virtual currency transmitters; it did not establish the type of kiosk-only limits seen in some other states.
Official source: state licensing and guidance materials.