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North Dakota Moves to Protect Crypto ATM Users

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North Dakota Moves to Protect Crypto ATM Users


North Dakota Moves to Protect Crypto ATM Users

Lawmakers in North Dakota have introduced a bill aimed at curbing cryptocurrency fraud and protecting its residents. House Bill 1447 was submitted on January 15 in response to an alarming $6.5 million in crypto-related fraud losses reported by 103 residents in 2023. The proposed legislation, sponsored by Representative Steve Swiontek, seeks to establish measures to safeguard consumers and address vulnerabilities in crypto ATM transactions.

The bill outlines specific restrictions, including a $1,000 daily withdrawal limit on crypto ATMs and a cap on transaction fees at $5 or 3% of the withdrawal amount, whichever is higher. These limits are designed to reduce financial exploitation and ensure fair use of these machines.

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Lisa Kruse, commissioner of the North Dakota Department of Financial Institutions, emphasized the importance of these measures, citing the growing number of complaints regarding crypto-related fraud. Speaking to the House Industry, Business, and Labor Committee, Kruse highlighted that crypto scams are becoming more sophisticated, leading to substantial financial losses for the state’s residents.

The situation in North Dakota mirrors national trends. According to an FBI report released in September 2024, Americans lost $5.6 billion to cryptocurrency fraud in 2023. Among these losses, 5,500 cases involved crypto ATMs, with over $189 million in damages. This highlights the need for enhanced consumer protections, particularly in high-risk areas like crypto ATMs, which have become a target for fraudulent schemes.

Representative Steve Swiontek pointed out the security gaps in crypto ATMs compared to traditional banking ATMs. He argued that these vulnerabilities allow criminals to exploit the system for illicit activities, creating a pressing need for regulation.

The proposed bill also addresses the risks faced by older residents, a demographic that is frequently targeted by fraudsters. Josh Askvig, the North Dakota director of the American Association of Retired Persons (AARP), stressed that protecting elderly residents is a critical aspect of the legislation. Many older individuals are less familiar with cryptocurrency, making them more susceptible to scams. To counter this, the bill mandates that crypto ATMs display clear warnings about potential fraud and encourage users to contact law enforcement if they suspect any fraudulent activity. These warnings would also remind users that funds lost in scams may not be recoverable.

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While the bill has garnered support for its consumer protection goals, it has also faced opposition from some crypto ATM operators. During the hearing, Kevin Lolli, a representative of CoinFlip, one of the largest crypto ATM providers in the U.S., raised concerns about the impact of the proposed fee and transaction limits on operators. He explained that the current fees, which range from 8% to 20%, are necessary to cover the costs of hardware, maintenance, and rental payments to businesses hosting the machines. Reducing fees, Lolli argued, could make it financially unfeasible for operators to continue offering services, thereby limiting access to cryptocurrency in North Dakota.

Despite these concerns, Lolli expressed support for the consumer protection aspects of the bill, acknowledging the importance of educating users about potential risks. He argued that striking a balance between consumer safety and the viability of crypto ATM operations is crucial to fostering a sustainable and secure crypto ecosystem.

The proposed legislation is part of a broader effort to address the challenges posed by the rapid growth of cryptocurrency. As adoption increases, so do the risks of fraud and exploitation, especially in areas where regulations are still catching up. North Dakota’s initiative could serve as a model for other states looking to implement similar safeguards.

The debate around House Bill 1447 also raises a critical question: how can regulators effectively protect consumers without stifling innovation in the crypto space? While the restrictions aim to reduce fraud, critics argue that excessive limitations could hinder the growth of the local cryptocurrency industry. Balancing security with accessibility is a challenge that both regulators and industry stakeholders must navigate carefully.

The outcome of North Dakota’s efforts will likely provide valuable insights for other states grappling with similar issues. If the bill is passed, it will establish new standards for crypto ATM operations and offer a layer of protection for residents, particularly those most vulnerable to scams. However, the discussion surrounding this legislation underscores the complexities of regulating a rapidly evolving industry while preserving its core principles of accessibility and innovation.

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North Dakota’s approach to addressing crypto fraud is a reminder of the importance of proactive regulation in safeguarding consumers. As the cryptocurrency market continues to grow, initiatives like House Bill 1447 will play a key role in shaping the future of digital finance.



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North Dakota composer launches statewide virtual choir project

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North Dakota composer launches statewide virtual choir project


GRAND FORKS — A North Dakota composer’s dream is turning into a statewide invitation.

Williston-based musician Emily Black-Driscoll was chosen as the North Dakota Music Teachers Association’s commissioned composer for 2026. She’s preparing an original composition that will premiere in August.

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Challengers declare victory after ND Supreme Court rules against Legislature’s attempt to alter term limits

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Challengers declare victory after ND Supreme Court rules against Legislature’s attempt to alter term limits


BISMARCK — A constitutional ballot measure to amend the state’s term limits law as proposed by the Legislature will not appear on November’s ballot, the North Dakota Supreme Court ruled Thursday, siding with petitioners who argued the Legislature exceeded its authority and violated the state constitution in proposing the changes.

“The people’s voice was heard,” Grand Forks County Commissioner Terry Bjerke said in reaction to the news.

Bjerke was a member of the sponsoring committee behind the successful 2022 effort to pass a term limits initiative, which amended the state constitution by capping legislative term limits to eight years in the House and eight years in the Senate. The amendment, which became article XV of the state constitution, also included a clause barring the Legislature from making constitutional changes to term limits.

During the 2025 session, however, lawmakers narrowly approved Senate Concurrent Resolution 4008, in which the legislature proposed Constitutional Measure 1, a ballot measure to amend the term limits language to allow legislators to decide in which chamber they want to serve their 16 years, and to repeal the clause limiting the legislative assembly’s authority to propose an amendment to alter or repeal term limits.

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Bjerke and former Minot legislator Oley Larsen brought the lawsuit challenging the validity of the Legislature’s action in January, and the state Supreme Court

heard oral arguments in the case

this spring.

“Those term limits may only be altered by a measure proposed by the people rather than the Legislative Assembly. And yet a few years later, the Legislative Assembly is doing what they are prohibited from doing,” attorney Zachary Wallen argued on Bjerke and Larsen’s behalf.

Petitioner’s attorney Zachary Wallen, right, jots down notes for a rebuttal during a North Dakota Supreme Court hearing dealing with a term limits ballot measure on Thursday, April 2, 2026.

Tanner Ecker / The Bismarck Tribune

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The Legislature’s attorneys argued the clause prohibiting legislative proposals to alter the constitutional term limits language “infringes on our republican form of government” by “limiting the people’s ability to vote on amendments proposed by their elected officials.”

Justice Jon Jensen seemed skeptical of that argument during the April 2 hearing, questioning whether a second vote was appropriate.

“The public did speak on this. The public spoke on it when it passed the original constitutional amendment and they said, ‘Legislature, you don’t even get to propose a change.’ They have already spoken on it,” Jensen said. “You want a second shot, or a second bite at the apple, not a first one, a second.”

In Thursday’s ruling, all five justices sided with Bjerke and Larsen.

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“We … conclude the Legislative Assembly’s adoption of S.C.R. 4008 violated N.D. Const. art. XV … and declare S.C.R. 4008 and Constitutional Measure 1 void … We enjoin the Secretary of State from placing Constitutional Measure 1 on the November 2026 general election ballot,” the ruling said.

Bjerke thanked the legal team that worked on behalf of their lawsuit, and said he was grateful the court reached the conclusion it did.

“I’m thrilled that what the people voted on and approved has been validated,” Bjerke said.

He added that the Legislature had “multiple opportunities” to address term limits prior to 2022’s initiated measure and chose not to, and gave a nod to the country’s coming milestone and the process by which voters expressed their support for term limits.

“We’ve lasted 250 years,” Bjerke said. “I have two words for those elected leaders who think they aren’t: everyone’s replaceable.”

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Fargo woman convicted in North Dakota fraud case now faces charges in Minnesota: A deeper dive

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Fargo woman convicted in North Dakota fraud case now faces charges in Minnesota: A deeper dive


FARGO, N.D. (Valley News Live) – A North Dakota woman who was sentenced to 180 days in jail in Cass County for defrauding healthcare providers and Medicaid programs is now facing additional fraud charges in Minnesota.

Christine Marie Pryor, 55, pleaded guilty in November 2024 to theft by deception involving more than $50,000. She was sentenced to first serve 180 days with a 3-year sentence suspended. She received credit for 44 days already served.

Pryor was ordered to pay $82,584.78 in restitution to Southeast Human Services in Fargo, where she worked between 2018 and 2019.

How the scheme unfolded

According to court documents, Pryor worked at multiple healthcare facilities in North Dakota and Minnesota between 2018 and 2023, using the identities and credentials of three licensed professionals without their knowledge. She submitted fraudulent Capella University diplomas and transcripts to gain employment.

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Investigators say Pryor admitted she searched state licensing websites for therapists who shared her first name, then used those therapists’ last names and license numbers when applying for jobs.

At Southeast Human Services, where she worked as a Licensed Addiction Counselor, Pryor earned $55,584.82 while providing therapy services to approximately 150 patients. She also opened her own counseling center, NIAM Brain Injury Center, in Fargo between 2020 and 2021, and worked at The Lotus Center in Moorhead, Minnesota, from 2021 to 2023.

Court documents say the three licensed professionals whose identities were used told investigators they had no knowledge of Pryor’s actions and did not give her permission to use their information.

Two additional charges against Pryor in North Dakota, unauthorized use of personal identifying information, were dismissed on motion of the state.

Additional charges in Minnesota

Pryor is also facing charges in Minnesota. Minnesota Attorney General Keith Ellison announced on Tuesday charges against Pryor in Clay County District Court for six theft offenses and six identity theft offenses related to defrauding Minnesota’s Medicaid program of more than $150,000.

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According to the Minnesota complaint, Pryor claimed to provide psychotherapy and alcohol and drug counseling services to Medicaid recipients despite having no license or credentials to do so. Prosecutors allege she used the credentials and identities of three licensed professionals while claiming to provide Medicaid-funded services to 169 clients.

The Minnesota charges were filed as part of National Health Care Fraud Takedown Day, a joint effort involving the Department of Justice and more than 40 state Medicaid Fraud Control Units.

Copyright 2026 KVLY. All rights reserved.



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