North Dakota
North Dakota bill aiming to regulate crypto kiosks, prevent fraud gets mixed reactions
BISMARCK — A bill in the North Dakota House of Representatives aims to regulate cryptocurrency kiosks by limiting deposits, capping fees and requiring fraud detection measures in response to rising concerns over financial scams.
House Bill 1447
would regulate virtual currency kiosks, also known as cryptocurrency kiosks or crypto ATMs. The proposal would license cryptocurrency kiosk operators in North Dakota, limit daily deposits to $1,000, cap fees at 3%, require blockchain analytics to detect suspicious activity and mandate refunds for new customers within 30 days.
Simply put, crypto kiosks allow people to insert cash, turn it into cryptocurrency and deposit it into an electronic wallet. It also allows anyone with an electronic wallet to turn cryptocurrency into cash and withdraw it.
More than $6 million was stolen through cryptocurrency fraud in North Dakota in 2023, and the FBI received over 5,500 complaints involving crypto kiosks nationally in 2023, according to AARP.
Rep. Steve Swiontek, R-Fargo, said scammers are directing people to withdraw money from their bank accounts and put it into the crypto ATMs, where it is deposited directly into the electronic wallets of the scammers.
Contributed / Stacy Kennedy, Gate City Bank
Swiontek chairs the board of Gate City Bank and has worked in banking for over 40 years.
He told a story about a person in North Dakota who received a message from a fraudster posing as a federal employee saying they would purchase child sexual abuse material using the person’s identity, open offshore accounts in the person’s name and that their family would be in danger if they did not comply with the fraudster’s directives. The person took out nearly $25,000 and gave it to the fraudster using a crypto kiosk. The person almost gave the fraudster another $25,000, but after a conversation with a neighbor who worked in law enforcement, they found out they had been scammed.
A fraud investigator for First Western Bank, Jacob Rued, said another way fraudsters often work is to refer to the crypto ATMs as “federal safety lockers” and tell people they are scamming that their money is not safe in their bank and needs to be deposited in the “federal safety locker.”
“If you ever hear that term, or someone you love says that term to you, you and they are being scammed,” Rued said. “That term does not exist.”
Josh Askvig, state director of AARP North Dakota, said that elderly North Dakotans are especially vulnerable to these crypto scams.
Rep. Ben Koppelman, R-West Fargo, questioned the necessity of caps on daily transactions and fees because he believes it would unnecessarily burden a growing industry. He said there are legitimate reasons for people to use the kiosks because if there weren’t, there wouldn’t be successful, publicly traded companies based on them.
“I just don’t believe that there would be a publicly traded company that’s investing in something that’s 99% scams,” Koppelman said. “And that somehow that’s got across (past) all the regulators that deal with the publicly traded companies.”
Koppelman suggested the implementation of a cap on a user’s first five transactions to protect first-time users from scams without impacting those who regularly use the kiosks.
Rued said without the caps on daily transactions, the bill would be useless.
He shared a story about a person who experienced fraud in Minnesota when he took $50,000 out of his bank account, intending to put it all into the kiosk and give it to the scammer’s electronic wallet, but was stopped at depositing $2,000 into the kiosk by Minnesota’s regulations. After he was stopped, he realized he was being scammed and did not give the remaining $48,000 to the fraudster.
“Without that (cap), he would have lost all $50,000,” Rued said. “Now, could he report that to us the next day? Sure. But in all reality, the money is gone. If you know anything about the blockchain and crypto — I mean the whole essence and principle of it is, once it’s out there, the government can’t go get it. No one can exercise control over it.”
Rue noted he was in favor of the cap on fees, as well. The companies that operate the kiosks are “profiting off the losses of these victims,” he said.
Representatives of two companies that operate cryptocurrency kiosks said they were in support of licensing operators of kiosks but not caps on fees and daily transactions.
Director of Government Relations at Bitcoin Depot Ethan McClelland said the cap on transaction fees and daily transaction amounts would make operating in North Dakota unsustainable and drive responsible operators of crypto kiosks out of the state.
The transaction limits “are encouraging scammers to spread transactions around, and it’s hindering our efforts and law enforcement’s efforts to combat fraud,” McClelland said.
Rued disagreed.
“To be perfectly frank with you,” Rued said, “with no disrespect to them, it’s laughable to me that the transaction limit is going to increase the fraud or it’s going to make it more difficult to investigate. My opinion would be the exact opposite — it’s going to decrease fraud.”
Koppelman said the bill will be worked on in a committee before a recommendation is voted on.
North Dakota
Vernon Krause
Vernon Dale Krause, 93, of Fargo, ND, formerly of Wahpeton, ND, passed away peacefully on Friday, July 10, 2026, at Heather’s House in Fargo, ND, under the care of HIA Hospice.
A Celebration of life will be held on Monday, July 20, 2026, at Vertin-Munson Funeral Home, Wahpeton. Visitation will be from 9:30 a.m. to 10:00 a.m., followed by a service at 10:00 a.m., with burial immediately following at Fairview Cemetery in Wahpeton.
Vern was born on February 16, 1933, in rural Wyndmere, ND, one of eleven children born to Theodore and Ella (Rohl) Krause. He grew up in Wyndmere and attended Wyndmere Public School, where he left his studies behind to volunteer for the United States Army. Vern proudly served from 1953 to 1956 before transferring to the Army Reserves. He was awarded the National Defense Service Medal and, throughout his life, carried great pride in his years of military service.
He married Jean (Carey) Krause, and together they built a life and raised their family in Wahpeton, where he would spend most of his years. They were blessed with two children. In his later years, after developing severe dementia, Vernon moved to Fargo so he could receive the care he needed and be closer to family.
For 41 years, he worked for the City of Wahpeton Water & Sewer Department, where he was highly regarded and known for knowing every inch of the city like the back of his hand. Even after retirement, he continued to volunteer his time and expertise whenever the City needed him. Among the accomplishments he was most proud of were his early years helping develop the Chahinkapa Zoo.
Above all, he cherished his family. He loved anything to do with his grandchildren — from crafting chairs out of tree trunks and splitting wood, to watching their sporting events and helping them grow into who they were meant to be. His great-grandchildren were a true blessing to him — even if their energy made him a little nervous, he always looked forward to their visits. His nieces and nephews brought him great joy as well especially in his later years and he loved being an uncle to them. When his brother Leyone “Spud” moved to town, Vern couldn’t wait to deliver him the daily newspaper and share a chat. He loved tinkering in the garage, always engineering new ways to drain water, and he was the biggest Green Bay Packers fan around — proud to call himself a team shareholder. After moving to Fargo, Vernon was grateful for the time he was able to spend with his sister, Carole Jean, who had always been his protector.
Vernon will be remembered for his steady hands, his quiet devotion to family and community, and the example he set of showing up — for his country, for his city, and most of all, for the people he loved. He will be deeply missed.
Vern is survived by his son, Mark Krause, Fargo; two sisters-in-law, Priscilla Krause and Donna Krause; two brothers-in-law, Ron Carey and Don Carey; eight grandchildren, Carey, Danielle, Margo, Jodi, Nikki, Kevin, Brad and Tracee; 13 great-grandchildren; and many nieces and nephews.
He was preceded in death by his parents; his wife, Jean Krause; his daughter, Deb Christopher; five brothers, Alfred, Donald, Willard, Kenneth and Leyone Krause; five sisters, Dorothy Peterson, Loretta Dable, LaVelle Odegard, Lucille Kruchek and Carole Jean Johnson-Bohlken; sisters-in-law, Viola Krause, Marleen Krause, Amy Carey and Linda Carey; brothers-in-law, Elroy Odegard, Robert Johnson, Willis Bohlken, Pete Peterson, Johnny Kruchek and Frank Dable; granddaughter, Robyn Krause; and grandson, Jack Bollman.
North Dakota
‘I think I was cheated’: Men speak out after birth switch discovery
GRAFTON, N.D. — Two North Dakota men are speaking out about a 38-year-long alleged mistake that altered their entire lives.
The men and their families are suing Unity Medical Center in Grafton, saying the hospital is responsible for
switching them at birth in 1988
. The hospital denies the allegations.
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North Dakota
Neighbors, not competitors
There are moments that remind us exactly who we are as a community, and the recent fire at Antelope Creek Bar and Grill in Mooreton was one of them. Many already know the awful loss that unfolded. It was a brutally hot day, the kind where the sun feels heavy and the air is so thick, and social media quickly filled with photos, videos, and comments documenting the devastation. Heartbreaking. Gut‑wrenching. A place that held memories for so many suddenly only visions smoke and charred remains.
But even in the middle of all that loss, something else rose up, something that always seems to show itself around here when life gets hard. Kindness. Pure, steady kindness.
The volunteer firefighters were the first reminder. They never cease to amaze me. They drop everything … work, family, whatever they were in the middle of and suit up in layers of gear despite the heat and humidity. They’re regular people with regular jobs, yet they show up like it’s the most natural thing in the world. No spotlight. No applause. Just service. Just heart.
Then came the folks who arrived with water, Gatorade, and anything they could think of to help ease the burden of those battling the blaze. Nobody organized it. Nobody asked. They simply showed up because that’s what people do here. That alone would have been enough to warm my heart.
But it didn’t stop there.
As the day went on, I saw posts from other regional businesses, specifically other bar and grills, reaching out with messages of support. These are places that could easily be seen as competition, yet there they were, offering help, extending care, and standing shoulder to shoulder with the owners who had just watched their livelihood disappear. “We are here. How can we help?” they wrote. No rivalry. No hesitation. Just neighbors being neighbors.
If you ever need a reminder of what makes this valley special, it’s moments like that. People who could have stayed quiet choosing instead to lift someone else up. Businesses that could have focused on themselves choosing instead to stand with another in their darkest moment. It’s the best of us. The part of small town life that doesn’t make headlines but makes all the difference.
We talk a lot about community, but this, this right here is what it looks like. It looks like firefighters sweating through their gear on a 90‑degree day. It looks like strangers handing out cold drinks. It looks like business owners reaching across the aisle to say, “You’re not alone.” It looks like compassion showing up before anyone has time to think twice.
Loss has a way of revealing character. And what I saw in the wake of that fire was a valley full of people who still believe in showing up, still believe in helping, still believe in each other. In a world that can feel divided and loud, this quiet, steady goodness is worth noticing. Worth celebrating. Worth holding onto.
Because when the smoke clears and the debris settles, what remains is the strength of a community that refuses to let anyone face hardship alone. And that, more than anything, is the story worth telling.
That is the true Best of the Valley. The people.
Bobbi Steffens resides in the Southern Valley and discovered her passion for writing through an unexpected path.
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