An Act to Authorize Registration of Certain Cash-dispensing
Maine Legislature, Session 132, LD 1998
Sponsors: BAILEY
Amends: 32 MRSA §6152, 32 MRSA §6153, 32 MRSA §6154

Legislative Document
No. 1998
S.P. 811
In Senate, December 5, 2025
An Act to Authorize Registration of Certain Cash-dispensing 
Machines Through the Nationwide Mortgage Licensing System and 
Registry and to Limit the Use of Certain Cash-dispensing Machines 
as Virtual Currency Kiosks
Submitted by the Department of Professional and Financial Regulation pursuant to Joint 
Rule 203.
Received by the Secretary of the Senate on December 3, 2025.  Referred to the Committee 
on Health Coverage, Insurance and Financial Services pursuant to Joint Rule 308.2 and ordered 
printed.
DAREK M. GRANT
Secretary of the Senate
Presented by Senator BAILEY of York.
Be it enacted by the People of the State of Maine as follows:
Sec. 1.  32 MRSA §6152, sub-§2, as enacted by PL 1999, c. 229, §2, is amended to 
read:
2.  Limitations.  A cash-dispensing machine:
A.  May not accept deposits or loan payments or effectuate account transfers other than 
those transfers between the customer's accounts in the same financial institution; and
B.  Must be operated in such a way as to comply with the Electronic Funds Transfer 
Act, 15 United States Code, Section 1693 et seq. or regulations adopted under that Act.; 
and
C.  May not operate as a virtual currency kiosk as defined in section 6164, subsection 
unless the virtual currency kiosk operator is licensed as a money transmitter pursuant 
to section 6165.
Sec. 2.  32 MRSA §6153, sub-§1, ¶B, as enacted by PL 1999, c. 229, §2, is 
amended to read:
B.  A registration fee of $50 for the first cash-dispensing machine location operator and 
$25 for each additional location, payable to the Treasurer of State cash-dispensing 
machine.
Sec. 3.  32 MRSA §6153, sub-§1-A is enacted to read:
1-A.  Nationwide mortgage licensing system and registry.  The administrator may 
require registration under this section through the nationwide mortgage licensing system 
and registry as defined in Title 9‑A, section 13‑102, subsection 8. The administrator is 
authorized to participate in the nationwide mortgage licensing system and registry.  
Sec. 4.  32 MRSA §6153, sub-§1-B is enacted to read:
1-B.  Registration requirements.  In all cases, whether registration is through the 
nationwide mortgage licensing system and registry or otherwise, the administrator may 
establish, by rule, requirements for registration, including but not limited to:  
A. Background checks for:  
(1) Criminal history through fingerprint or other databases;
(2) Civil or administrative records;
(3) Credit history; or
(4) Any other information determined necessary by the nationwide mortgage 
licensing system and registry;
B. The payment of fees to apply for or renew registration. If registration is through the 
nationwide mortgage licensing system and registry, an applicant must also pay a 
nationwide mortgage licensing system and registry processing fee in an amount to be 
determined by the administrators of the nationwide mortgage licensing system and 
registry. Renewal applications received after the due date are subject to an additional 
fee of $100;
C. The setting or resetting as necessary of renewal or reporting dates; and
D. Other requirements for application for, amendment of or revocation of a registration 
or any other such activities as the administrator considers necessary.
The aggregate of registration fees and other fees and assessments provided for by this 
section is appropriated for the use of the administrator. Any balance of these funds does 
not lapse but must be carried forward to be expended for the same purpose in the following 
fiscal year.
Sec. 5.  32 MRSA §6153, sub-§6, as enacted by PL 1999, c. 229, §2, is amended to 
read:
6.  Fine.  The administrator may impose a fine of $5 $25 per day on any person failing 
to comply with the requirements of this section.
Sec. 6.  32 MRSA §6154, sub-§1, ¶A-1 is enacted to read:
A-1.  If registration is through the nationwide mortgage licensing system and registry, 
the operator’s unique identifier as defined in Title 9-A, section 13-102, subsection 15;
SUMMARY
This bill authorizes the Superintendent of Consumer Credit Protection within the 
Department of Professional and Financial Regulation to require registration of certain cash-
dispensing machines through the nationwide mortgage licensing system and registry. In all 
cases, whether registration is through the nationwide mortgage licensing system and 
registry or otherwise, the bill authorizes the superintendent to establish, by rule, 
requirements for registration of certain cash-dispensing machines. The bill provides that 
certain cash-dispensing machines may not operate as virtual currency kiosks unless the 
virtual currency kiosk operator is licensed as a money transmitter.