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Idaho, USA
US-IDschema crypto-v2.0.0trajectory: not yet assessedregulatedoverlaps: FIM, WPM
Last updated · 8 categories · 23 sourced
findings · 16 sources in the cumulative register
8Categoriesbaseline.
23Findings.claims[]
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Jurisdiction lead brief
Lead Signal
Idaho Governor Brad Little vetoed SB1359a, the Virtual Currency Kiosk Fraud Prevention Act, on April 8-9, 2026, citing drafting deficiencies that would undermine enforcement. The bill would have imposed kiosk-specific licensing conditions, including a mandatory blockchain-analytics requirement, on top of Idaho's existing money-transmitter framework. Its failure preserves the Idaho Money Transmitters Act, Idaho Code § 26-2901 et seq., as the sole applicable licensing regime for virtual-currency exchangers and kiosk operators, who must continue to hold a money-transmitter license from the Securities Bureau of the Idaho Department of Finance to accept fiat currency for later delivery of virtual currency to a third party.
The same veto carries a consumer-protection dimension: SB1359a's proposed kiosk-specific mandatory fraud disclosures, fee-refund rights, and live customer-service requirements did not take effect. In their absence, the general Idaho Consumer Protection Act, Idaho Code § 48-601 et seq., enforced by the Idaho Attorney General's Consumer Protection Division, remains the sole applicable consumer backstop for virtual-currency kiosk users in the state.
Other Developments
No other crypto_licensing or consumer_protection development within scope was captured for this jurisdiction this cycle.
Cross-Monitor Connections
The same SB1359a veto is tracked by the financial-integrity monitor as an AML/CTF control-gap development and by the world-payments monitor as a licensing and market-access development; this brief's lens is the licensing-and-consumer-safeguards reading specific to virtual-currency kiosk operators.
Outlook
The Governor's veto message cited drafting deficiencies rather than disagreement with the underlying fraud-prevention aim, leaving open the possibility of a redrafted bill reaching the Idaho Legislature in the 2027 session. Whether the Idaho Department of Finance issues administrative supervisory guidance in the interim is also open. Until either occurs, Idaho's virtual-currency kiosk sector continues to operate under the generic money-transmitter licensing regime with the general Consumer Protection Act as its sole consumer backstop.
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Idaho has no bespoke crypto-asset licensing statute. Crypto exchange, custody, and transmission businesses operating in Idaho are presumed to fall within the state's general money-transmitter licensing regime (administered by the state's banking/financial-institutions authority and processed via NMLS), consistent with the nationwide pattern of applying general MTL law to virtual-currency administrators/exchangers. The exact Idaho Code citation and any crypto-specific carve-outs or exemptions were not independently verified against a primary Idaho statutory source in this run; this is flagged for escalation.
Standing sub-brief186 words · last cycle 2026-08-21
Crypto Licensing
Idaho requires virtual-currency exchangers and kiosk operators to hold a money-transmitter license under the Idaho Money Transmitters Act, Idaho Code § 26-2901 et seq., in order to accept fiat currency for later delivery of virtual currency to a third party, per longstanding guidance from the Securities Bureau of the Idaho Department of Finance. This cycle's development is the veto of SB1359a, the Virtual Currency Kiosk Fraud Prevention Act, by Governor Little on April 8-9, 2026, on the stated grounds of drafting deficiencies that would undermine enforcement. Had it been enacted, SB1359a would have layered kiosk-specific licensing conditions on top of the generic money-transmitter regime, including a mandatory blockchain-analytics requirement, transaction caps, a settlement delay, and fraud refunds. Its veto preserves the Money Transmitters Act as the sole applicable licensing regime for virtual-currency kiosk operators in Idaho, with no kiosk-specific overlay in force.
Outlook
Whether a redrafted Virtual Currency Kiosk Fraud Prevention Act addressing the Governor's stated drafting deficiencies reaches the Idaho Legislature in the 2027 session is the principal item to watch, alongside whether the Department of Finance issues administrative guidance in the interim.
No new data since the standing brief. 1 periodic run re-emitted it unchanged.
Sources and findings (3)
T4 · SEC EDGAR (company filing)SEC EDGAR (company filing) — Businesses engaged in the transmission and custody of bitcoin and other digital assets, including brokers and custodians, can be subject to Treasury money-services-business regulation as well as state money transmitter licensing requirements.retrieved M4bindingin force
T2 · Conference of State Bank Supervisors / State Regulatory Registry LLCConference of State Bank Supervisors / State Regulatory Registry LLC — Idaho, like most participating states, uses the Nationwide Multistate Licensing System (NMLS) as the licensing/registration infrastructure for non-depository financial-services companies, including money transmitters, and NMLS Consumer Access allows verification of licensee status.retrieved M2non-binding
T2 · Conference of State Bank Supervisors / State Regulatory Registry LLCConference of State Bank Supervisors / State Regulatory Registry LLC — No bespoke Idaho crypto-asset licensing statute distinct from the state's general money-transmitter law was independently verified in this run; Idaho crypto exchange/custody activity is presumed to fall under the general Idaho money-transmitter regime pending primary-source confirmation of the exact statutory citation and any crypto-specific carve-outs.retrieved M3non-bindingour coverage gap, expected to resolve on a re-run
Idaho has no state-specific securities-token or crypto-classification statute; token characterisation is governed by federal SEC/CFTC jurisdiction. In March 2026 the SEC, joined by the CFTC, issued a joint interpretation creating a taxonomy of digital commodities, digital collectibles, digital tools, stablecoins, and digital securities, which functionally governs how Idaho-based crypto activity is classified.
Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.
no periodic updates on record for this sub-brief
Sources and findings (4)
T1 · U.S. Securities and Exchange CommissionU.S. Securities and Exchange Commission — The SEC, joined by the CFTC, issued an interpretation in March 2026 clarifying how federal securities laws apply to crypto assets, providing a coherent token taxonomy spanning digital commodities, digital collectibles, digital tools, stablecoins, and digital securities.retrieved M5bindingin force
T1 · U.S. Securities and Exchange CommissionU.S. Securities and Exchange Commission — Under the 2026 SEC/CFTC interpretation, non-security 'digital commodities' such as Bitcoin, Ether, Solana and comparable network tokens derive their value from the programmatic operation of an associated functional crypto system plus supply/demand dynamics, rather than from a promoter's managerial efforts.retrieved M4bindingin force
T4 · CoinDeskCoinDesk — The SEC's 2026 interpretation excludes airdrops, protocol staking, and protocol mining from the scope of its digital-securities/investment-contract analysis.retrieved M4bindingin force
T4 · The BlockThe Block — Federal payment stablecoins are governed by the GENIUS Act, passed by the House and Senate and signed into law, establishing a stablecoin-issuer framework that operates alongside, and separately from, state money-transmitter licensing.retrieved M5bindingin force
On-chain activity (staking, node operation, DeFi lending, mining) is addressed primarily at the federal level, with recent OCC and SEC/CFTC interpretive actions loosening prior restrictions on bank participation and clarifying staking's non-security status. Comprehensive federal market-structure legislation (the Digital Asset Market Clarity Act and its Senate successor) that would definitively settle DeFi/DEX oversight had not been enacted as of early 2026. No Idaho-specific on-chain activity statute was identified.
Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.
no periodic updates on record for this sub-brief
Sources and findings (3)
T4 · CoinDeskCoinDesk — The OCC clarified in a March 2025 interpretive letter that national banks and federal savings associations may provide crypto custody, engage in certain stablecoin-related activities, and run nodes without seeking prior OCC approval.retrieved M3bindingin force
T4 · CoinDeskCoinDesk — The SEC's 2026 interpretive guidance treats protocol-level staking as outside the scope of its digital-securities analysis, meaning staking does not by itself trigger investment-contract/security status.retrieved M3bindingin force
T4 · CoinDeskCoinDesk — Comprehensive federal market-structure legislation covering DeFi (the Digital Asset Market Clarity Act and its Senate successor) remained unenacted as of early 2026, leaving DeFi lending and DEX oversight without a settled statutory framework.retrieved M4non-binding
Payment stablecoin issuance and reserve/disclosure requirements are governed federally by the GENIUS Act, with FinCEN's implementing AML/CFT rule for Permitted Payment Stablecoin Issuers (PPSIs) still at proposed-rule stage. No Idaho-specific stablecoin issuance-authorisation or reserve regime was identified.
Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.
no periodic updates on record for this sub-brief
Sources and findings (3)
T4 · The BlockThe Block — The GENIUS Act requires payment stablecoins to be fully backed by U.S. dollars or similarly liquid assets and mandates annual audits for issuers with a market capitalization exceeding $50 billion.retrieved M5bindingin force
T1 · Financial Crimes Enforcement Network (FinCEN)Financial Crimes Enforcement Network (FinCEN) — FinCEN's proposed AML/CFT rule implementing the GENIUS Act's Permitted Payment Stablecoin Issuer (PPSI) framework remained at the notice-of-proposed-rulemaking stage, with the specific stablecoins and issuers qualifying as PPSIs not yet finally determined.retrieved M4bindingproposed
T1 · Financial Crimes Enforcement Network (FinCEN)Financial Crimes Enforcement Network (FinCEN) — No Idaho state-specific stablecoin issuance-authorisation or reserve-disclosure regime was identified; payment stablecoin issuance touching Idaho is presumed governed exclusively by the federal GENIUS Act framework pending confirmation.retrieved M3non-bindingour coverage gap, expected to resolve on a re-run
Crypto consumer protection touching Idaho residents is shaped principally by federal SEC guidance on custody segregation and risk disclosure for broker-dealers handling non-security crypto assets; no Idaho-specific crypto consumer-protection statute (marketing restrictions, suitability rules, complaint-handling mandates) was identified in this run.
Standing sub-brief124 words · last cycle 2026-08-21
Consumer Protection
Idaho has no crypto-specific consumer-protection statute. SB1359a's proposed kiosk-specific mandatory fraud disclosures, fee-refund rights, and live customer-service requirements did not take effect following Governor Little's veto of the bill on April 8-9, 2026. In their absence, the general Idaho Consumer Protection Act, Idaho Code § 48-601 et seq., enforced by the Idaho Office of the Attorney General's Consumer Protection Division, remains the applicable baseline for virtual-currency-kiosk consumers in the state, with no kiosk-specific disclosure or refund right in force.
Outlook
Absent a redrafted kiosk-fraud-prevention bill in the 2027 legislative session, Idaho consumers of virtual-currency kiosk services will continue to rely on the general Consumer Protection Act as their only statutory backstop, without the kiosk-specific fraud-refund and disclosure rights SB1359a would have provided.
No new data since the standing brief. 1 periodic run re-emitted it unchanged.
Sources and findings (3)
T1 · U.S. Securities and Exchange CommissionU.S. Securities and Exchange Commission — SEC staff guidance indicates a broker-dealer may agree with customers to treat non-security crypto assets custodied for them as 'financial assets' in a 'securities account' under UCC Article 8, which can help keep such assets out of the broker-dealer's estate in an insolvency.retrieved M4bindingin force
T1 · U.S. Securities and Exchange CommissionU.S. Securities and Exchange Commission — Non-security crypto assets held by a broker-dealer are not protected by SIPA and may not be protected by any other specific insolvency regime, exposing customers to potential loss of such assets on insolvency.retrieved M4bindingin force
T2 · Conference of State Bank Supervisors / State Regulatory Registry LLCConference of State Bank Supervisors / State Regulatory Registry LLC — No Idaho-specific crypto consumer-protection statute (e.g., marketing restrictions, mandatory risk disclosures, or suitability rules comparable to some other states' digital-asset laws) was identified in this run.retrieved M3non-bindingour coverage gap, expected to resolve on a re-run
Federal tax treatment of crypto as property (triggering capital gains/losses on sale or exchange) applies to Idaho residents by default, with new IRS Form 1099-DA broker reporting phasing in from the 2025 tax year. Pending federal legislation (the PARITY Act) would modify aspects of crypto tax treatment but had not been enacted. Idaho's own state income-tax conformity treatment of crypto gains was not independently confirmed against a primary Idaho State Tax Commission source.
Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.
no periodic updates on record for this sub-brief
Sources and findings (4)
T4 · CoinDeskCoinDesk — For the past decade the IRS has treated cryptocurrency as property rather than currency, treating every sale and exchange as a taxable event generating capital gain or loss.retrieved M5bindingin force
T4 · CoinDeskCoinDesk — Starting with 2025 transactions, cryptocurrency exchanges must issue Form 1099-DA declaring cost basis and proceeds directly to the IRS, with brokers also reporting cost basis to the IRS from the 2026 tax year onward.retrieved M5bindingin force
T4 · CoinDeskCoinDesk — The bipartisan PARITY Act, reintroduced in Congress in March 2026, proposes relief mechanisms for regulated payment stablecoins and staking-reward deferral options, but had not been enacted as of its reintroduction.retrieved M3non-binding
T2 · Conference of State Bank Supervisors / State Regulatory Registry LLCConference of State Bank Supervisors / State Regulatory Registry LLC — Idaho's state income-tax conformity treatment of cryptocurrency gains (i.e., whether Idaho taxable income tracks the federal property-based treatment without state-specific modification) was not independently confirmed against a primary Idaho State Tax Commission source in this run.retrieved M3non-bindingour coverage gap, expected to resolve on a re-run
Cross-border crypto transfers touching Idaho are governed by federal OFAC sanctions and FinCEN travel-rule obligations; no Idaho-specific outbound restriction was identified. Federal enforcement activity continues to target sanctions-evasion use of stablecoins by state-linked illicit actors.
Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.
no periodic updates on record for this sub-brief
Sources and findings (2)
T1 · Financial Crimes Enforcement Network (FinCEN)Financial Crimes Enforcement Network (FinCEN) — U.S. authorities have pursued enforcement actions alleging that DPRK-linked IT workers and co-conspirators used stablecoins to launder proceeds and evade sanctions, underscoring active federal sanctions-nexus scrutiny of crypto cross-border flows.retrieved M4bindingin force
T1 · Financial Crimes Enforcement Network (FinCEN)Financial Crimes Enforcement Network (FinCEN) — No Idaho-specific outbound restriction on crypto-asset transfers beyond the federal OFAC sanctions and FinCEN travel-rule framework was identified in this run.retrieved M2non-bindingour coverage gap, expected to resolve on a re-run
Crypto AML/CFT obligations (KYC/CDD, travel rule, SAR/STR reporting, sanctions screening, recordkeeping) applicable to Idaho money-transmitter-licensed crypto businesses are governed by the Bank Secrecy Act/FinCEN MSB framework and are captured under the fleet's shared Financial Integrity Module (FIM) subscription for aml_ctf. This baseline does not duplicate AML/CFT claims; only disambiguation context is provided here.
Absence reason not determinableNo sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason.
no periodic updates on record for this sub-brief
Sources and findings (1)
T1 · Financial Crimes Enforcement Network (FinCEN)Financial Crimes Enforcement Network (FinCEN) — AML/CFT obligations applicable to Idaho money-transmitter-licensed crypto businesses (BSA/FinCEN MSB registration, customer due diligence, SAR/CTR filing, recordkeeping) are governed under the fleet's shared Financial Integrity Module (FIM) subscription for aml_ctf and are not duplicated as claims in this crypto baseline.retrieved M2non-bindinga fact about the regime
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