D1 Sanctions
Sanctions is not yet covered for this jurisdiction in this report.
North Dakota has no standalone state AML statute; entities and MSBs operating in-state are governed by the federal Bank Secrecy Act/AML Act framework (FinCEN, OFAC) with state money-transmitter licensing and examination performed by the North Dakota Department of Financial Institutions (DFI).
United States federal law that applies in United States – North Dakota is covered once, on the United States page. This page covers United States – North Dakota’s own layer: its own law, regulators and enforcement.
Sanctions is not yet covered for this jurisdiction in this report.
Beneficial Ownership is not yet covered for this jurisdiction in this report.
Enabler Jurisdictions is not yet covered for this jurisdiction in this report.
Conflict Finance is not yet covered for this jurisdiction in this report.
North Dakota's 2025 session delivered two settled, first-surfaced facts on the digital-asset front that together define the states current posture toward on-chain activity. The first is enactment: HB 1447 brings North Dakota-licensed virtual-currency kiosk operators fully within the states money-transmitter licensing regime, layering on blockchain-analytics software requirements, a named compliance officer, and a 2,000 dollar per-day transaction cap, effective since August 1, 2025. The in-force status and the statutory codification at NDCC sections 13-09.1-50 through -54 are confirmed at the highest sourcing tier, though the specific operational detail describing the analytics-software and named-officer requirements traces to a lower-tier secondary characterisation not yet checked against the enrolled bill text. The second is rejection: HB 1239, which would have carved digital-asset miners and blockchain node operators out of the same money-transmitter licensing requirement, failed decisively on House second reading, 14 yeas to 75 nays, on February 17, 2025. Read together, the two outcomes describe a legislature willing to extend licensing and consumer-facing controls onto new use cases (kiosks) while declining, by a wide margin, to narrow that same licensing perimeter for infrastructure-level activity (mining and node operation). That is a meaningfully different signal than either fact alone: it indicates that North Dakota's default posture is inclusion within the general money-transmitter framework rather than a pattern of case-by-case exemption-seeking succeeding.
The compliance-technology dimension of HB 1447 is also a financial-innovation signal in its own right: a state legislature mandating blockchain analytics software as a condition of licensure is treating that software as baseline regulatory infrastructure for a licensed activity, not an optional control. That mandate sits within the broader compliance-technology and active-defence conversation even though this cycle's substrate does not support a standalone assessment of North Dakota's broader RegTech posture beyond this single statutory requirement.
The near-term trajectory for North Dakota's digital-asset regulatory perimeter depends on two open threads. First, verification: the compliance-officer and blockchain-analytics specifics attributed to HB 1447 rest on a secondary source and should be treated as provisional until the enrolled bill text is independently checked. Second, the unresolved status of mining and node-operation activity following HB 1239's decisive failure leaves a genuine ambiguity that a future legislative session or supervisory guidance from the Department of Financial Institutions could resolve in either direction; nothing in this cycle's substrate indicates which outcome is more likely, and no reintroduced bill has been identified as of this cycle.
Compliance Technology & Active Defence is not yet covered for this jurisdiction in this report.
North Dakota's anti-money-laundering and counter-terrorist-financing exposure is structurally embedded within its money-transmitter licensing chapter rather than expressed as a free-standing AML statute, and this cycle surfaced the clearest evidence yet of that architecture. Chapter 13-09, the states original money-transmitter law, was repealed in full and replaced by chapter 13-09.1, the Money Transmission Modernization Act. That replacement chapter carries its own dedicated section, 13-09.1-22, titled Anti-money laundering - Countering the financing of terrorism reports, which now sits inside the licensing statute itself rather than in a separate title. This is confirmed at the highest sourcing tier as to the section heading and the chapter renumbering; the substantive reporting mechanics, including any threshold amounts, timing requirements, or SAR-equivalent process, were not independently retrieved this cycle and remain an open verification item.
The same 2025 session extended the reach of this AML architecture to a category of activity not previously subject to it: HB 1447 brings virtual-currency kiosk operators within the states money-transmitter license, and with that licensing comes exposure to the chapter's AML/CTF reporting section by operation of the statutes structure. The bill separately requires those newly-licensed kiosk operators to use blockchain analytics software and appoint a named compliance officer, controls that function as AML-adjacent even though their stated purpose in the record is framed around fraud detection rather than money-laundering reporting specifically. The specific analytics-software and compliance-officer detail traces to a lower-tier secondary source not yet cross-checked against the enrolled bill text, while the in-force status since August 1, 2025 and the statutory codification are independently confirmed.
The legislature also declined, by a wide margin, to narrow the population subject to this licensing-and-AML architecture: HB 1239, which would have exempted digital-asset miners and node operators from the money-transmitter license, failed 14 yeas to 75 nays on February 17, 2025. Because AML/CTF obligation under North Dakota's regime attaches through the licensing statute, the practical effect of that rejection is that miners and node operators remain, at minimum, within the scope of a licensing question that has not been resolved in the direction of exemption, leaving their AML-obligation status uncertain rather than settled.
The most consequential open item for North Dakota's AML/CTF regime is verification rather than further legislative change: the actual reporting thresholds and process under section 13-09.1-22 have not been independently confirmed beyond the section heading, and resolving that gap would materially sharpen any assessment of how the states AML obligations actually operate in practice for licensed money transmitters, including the newly-licensed kiosk operators. Separately, the AML-obligation status of miners and node operators remains genuinely unresolved following HB 1239's decisive failure, and any future legislative attempt to revisit that exemption question, or supervisory guidance clarifying scope, would be the next material development to track.
Commercial Activity is not yet covered for this jurisdiction in this report.
MLRO functions overseeing North Dakota-licensed entities, including newly-licensed kiosk operators, should note that AML/CTF reporting duty under section 13-09.1-22 now applies to a broader population than before, though the substantive reporting mechanics of that section were not independently confirmed this cycle beyond the section heading.
Compliance functions for affected firm types should note the new control requirements took effect August 1, 2025, though the specific analytics-software and named-officer detail rests on a source not yet cross-checked against enrolled bill text.
Legal counsel advising on North Dakota licensing exposure for mining or node-operation activity should note that HB 1239 failed 14-75, leaving the general money-transmitter licensing standard, rather than any exemption, as the applicable framework.
At a governance level, the recodification of the money-transmitter chapter and its extension to virtual-currency kiosks represents a structural rather than episodic change in regulatory exposure for firms operating in or through North Dakota.
Technology functions supporting licensed kiosk operations in North Dakota should track this as a compliance-technology infrastructure requirement, noting the specific technical detail traces to a secondary source not yet verified against enrolled bill text.
Risk functions should treat North Dakota MTL applicability to mining and node-operation activity as unresolved rather than settled, given the decisive rejection of an exemption bill.
No material change for this persona this cycle
Audit functions should note that section 13-09.1-22's actual reporting thresholds and process remain unconfirmed pending fuller retrieval of statutory text, which limits the current evidentiary basis for testing control adequacy against that specific provision.
North Dakota re-anchored its AML/CTF reporting duty inside a recodified money-transmitter chapter and extended licensing, and thus AML exposure, to virtual-currency kiosk operators.
HB 1447 imposes blockchain-analytics and named-compliance-officer requirements on North Dakota virtual-currency kiosk licensees.
A bill to exempt miners and node operators from North Dakota's money-transmitter license failed decisively in 2025.
North Dakota's 2025 session structurally tightened AML/licensing exposure for digital-asset activity within the state.
North Dakota now mandates blockchain analytics software as a licensing condition for virtual-currency kiosk operators.
Miner and node-operator licensing status in North Dakota remains an open risk following HB 1239's failure.
No material change this cycle.
The substantive text of North Dakota's AML/CTF reporting section has not yet been independently verified beyond its heading.
Illustrative scenario for analytical orientation only. As the EU AML Package moves supervision of cross-border obliged entities toward a hybrid EU/national model under the AMLA Regulation (Reg (EU) 2024/1620), alongside the directly-applicable AML Regulation (Reg (EU) 2024/1624) and per-state Sixth AML Directive transposition, a structurally analogous question could arise for US state-chapter regimes like North Dakota's: whether AML obligations embedded inside a licensing chapter (as with 13-09.1-22) can sustain consistent cross-border supervisory expectations as digital-asset activity increasingly crosses state and national lines. This is architecture-over-incident illustration of a structural tension, not a prediction that any such convergence will occur.
Illustrative scenario for analytical orientation only. Not compliance advice, not a prediction, and not a statement of observed fact.
| Tracker | Status | Note |
|---|---|---|
| T1 · Russian Sanctions-Evasion Architecture | no_change | |
| T2 · EU AML Package / AMLA | no_change | |
| T3 · FATF Grey List | no_change | |
| T4 · Beneficial-Ownership Register Status | no_change | |
| T5 · Crypto & Digital-Asset Integrity | material_change | ND enacted HB 1447 (virtual-currency kiosk licensing/AML controls, in force Aug 1, 2025) and rejected HB 1239 (MTL exemption for miners, failed 14-75 Feb 17, 2025). |
| T6 · Sanctions Regime Divergence | no_change |