Louisiana 2026 Regular Session Status: Enacted 1 R cosponsors

SB 287 — BANKS/BANKING: Provides relative to virtual currency. (8/1/26)

Last action — Signed by the Governor. Becomes Act No. 482.

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed Senate
  4. ✓
    Passed House
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 27, 2026. Enacted.

Signed by Governor Jeff Landry (Republican) on May 29, 2026.

Prognosis

Likely to advance 72% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 R).

  • Cleared a recorded vote

    Passed 3 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

In plain language

The bill regulates the use of virtual currency in banking.

This legislation establishes guidelines for how virtual currencies can be used in the banking industry. It aims to ensure proper oversight and regulation to promote security and transparency.

What this means for you
  • Consumers: This means consumers will have clearer guidelines and protections when dealing with virtual currencies through banks.

Bill Text

What changed in the latest version

93 added · 173 removed

Plain-language change summary

In the updated version of Bill SB 287, the reference to "ACT No. 482" has been removed. This change may indicate that the bill is no longer relying on or connected to that specific act, possibly to clarify its goals or update its context. This matters because it can simplify the legislation and help ensure that lawmakers and the public have a clear understanding of the bill's current focus and intent.

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Latest
SLS 26RS-505 REENGROSSED Regular Session SENATE BILL NO.
Regular Session ENROLLED SENATE BILL NO.
287 BY SENATOR REESE BANKS/BANKING.
287 BY SENATOR REESE AN ACT To amend and reenact R.S.
Provides relative to virtual currency.
6:1389(B), 1393.1(E)(6), (F)(4), the introductory paragraph of 1393.1(H),and1393.1(H)(1),(2),(3),and(6)andtoenactR.S.6:1389(C),(D),and (E) and 1393.1(E)(7), relative to virtual currency;
(8/1/26) AN ACT To amend and reenact R.S.
6:1389(B), 1393.1(E)(6), (F)(4), the introductory paragraph of 1393.1(H),and1393.1(H)(1),(2),(3),and(6)andto enactR.S.
6:1389 (C),(D),and (E) and 1393.1(E)(7), relative to virtual currency;
6:1389(B), 1393.1(E)(6), (F)(4), the introductory paragraph of 1393.1(H), and 1393.1(H)(1), (2), (3), and (6) are herebyamended and reenacted and R.S.
6:1389(B), 1393.1(E)(6), (F)(4), the introductory paragraph of 1393.1(H), and 1393.1(H)(1), (2), (3), and (6) are hereby amended and reenacted and R.S.
cancellation and refund * * * B.(1) The owner or operator of a virtual currency kiosk shall wait seventy-two hours before processing a user's virtual currency kiosk transaction or shall, at such owner's or operator's cost and within seventy-two hours after a virtual Page 1 of 6 Coding:
cancellation and refund * * * B.(1) The owner or operator of a virtual currency kiosk shall wait seventy-two hours before processing a user's virtual currency kiosk transaction or shall, at such owner's or operator's cost and within seventy-two hours after a virtual currencykiosk transaction, allow the user to cancel and receive a full refund for the virtual currency kiosk transaction.
(2) Notwithstanding the provisions of Paragraph (1) of this Subsection orany otherprovisionoflawtothecontrary,theowneroroperatorofavirtual currency kiosk shall, at the owner or operator's cost, allow the user to cancel Page 1 of 4 Coding:
SLS 26RS-505 REENGROSSED SB NO.
SB NO.
287 currencykiosk transaction, allow the user to cancel and receive a full refund for the virtual currency kiosk transaction.
287 ENROLLED and receive a full refund for a virtual currencykiosk transaction at any time if theowneroroperatorwasnotlicensedinaccordancewiththeprovisionsofthis Chapter at the time of the transaction.
(2) Notwithstanding the provisions of Paragraph (1) of this Subsection orany otherprovisionoflawtothecontrary,theowneroroperatorofavirtual currency kiosk shall, at the owner or operator's cost, allow the user to cancel and receive a full refund for a virtual currency kiosk transaction at any time if the owner or operator was not licensed under the provisions of this Chapter at the time of the transaction.
C.(1)Avirtualcurrencykioskowneroroperatorshallacknowledgeand respond to a cancellation and refund request made pursuant to the provisions of Subsection B of this Section within ten business days.
C.(1)Avirtualcurrencykioskowneroroperatorshallacknowledgeand respond to a cancellation and refund request made under the provisions of Subsection B of this Section within ten business days.
(3)Any refund requestedpursuanttothisSubsectionshallbeprocessed andcompletedeitherwithinninetycalendardaysfromtheuser'sinitialrequest orninetycalendardaysfromwhentheusersubmittedproofofapoliceorother governmental entity report of the suspected fraudulent activity and proof of identification, if such requirements are part of the owner or operator's refund policy and these requirements were clearly communicated to the user in compliance with Paragraph (1) of this Subsection, whichever is later.
(3)Anyrefund requestedpursuanttothis Subsection shallbeprocessed andcompletedeitherwithinninetycalendardaysfromtheuser'sinitialrequest orninetycalendardaysfromwhentheusersubmittedproofofapoliceorother governmental entity report of the suspected fraudulent activity and proof of identification, if such requirements are part of the owner or operator's refund policy and these requirements were clearly communicated to the user in compliance with Paragraph (1) of this Subsection, whichever is later.
D.Eachvirtualcurrencykioskowneroroperatorshalloffer,duringthe hours of operation of the virtual currency kiosk, live customer support by telephone from a toll-free number prominently displayed on the virtual Page 2 of 6 Coding:
D.Eachvirtualcurrencykiosk owneroroperatorshalloffer,duringthe hours of operation of the virtual currency kiosk, live customer support by telephone from a toll-free number prominently displayed on the virtual currency kiosk.
Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.
SLS 26RS-505 REENGROSSED SB NO.
287 currency kiosk.
E.Eachvirtualcurrencykioskowneroroperatorshallsubmitquarterly reports to the commissioner of all cancellation and refund requests made by residentsundertheprovisionsofthisSection.Thereportshallincludethename andcontactinformationofthecustomerwhomadetherequest,thetransaction date, and the amount of the transaction that was requested to be cancelled.
E.Eachvirtualcurrencykioskowneroroperatorshallsubmitquarterly reports to the commissioner of all cancellation and refund requests made by residentspursuanttotheprovisionsofthisSection.Thereportshallincludethe name and contact information of the customer who made the request, the Page 2 of 4 Coding:
Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.
SB NO.
287 ENROLLED transaction date, and the amount of the transaction that was requested to be cancelled.
The licensee shall include in this disclosure the telephone numberfortheoffice of financial institutions.
The licenseeshall include in this disclosure the telephone number fortheoffice of financial institutions.
* * * (4) A notice that once executed, the transaction is not reversible may be Page 3 of 6 Coding:
* * * (4) A notice that once executed, the transaction is not reversible may be cancelledwithinseventy-twohoursandafullrefundmaybereceivedpursuant to the provisions of R.S.
Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.
SLS 26RS-505 REENGROSSED SB NO.
287 cancelledwithinseventy-twohoursandafullrefundmaybereceivedpursuant to the provisions of R.S.
(1) The name and contact information of the licensee, including but not limited to the licensee's business address and a customer service toll-free telephone number established by the licensee to answer questions, to allow residents to cancel transactionsand receivea full refund for a virtual currency kiosktransactionasprovidedinR.S.6:1389(B),andtoallowresidentstoregister complaints.
Page 3 of 4 Coding:
(2)Thetype,value,date, and precisetime of thetransactionand theunique identifier of the virtual currency kiosk operator.
(3)Thefull amount of eachfeecharged,including butnotlimitedtoafee charged directly or indirectly by the virtual currencykiosk operatoror a third party involved in the virtual currency transaction.
* * * (6) A statement of the refund policyof the licensee in accordance with the provisions of R.S.
6:1389.
* * * The original instrument and the following digest, which constitutes no part of the legislative instrument, were prepared by Senate Legislative Services.
The keyword, summary, and digest do not constitute part of the law or proof or indicia of legislative intent.
[R.S.
1:13(B) and 24:177(E)] DIGEST SB 287 Reengrossed 2026 Regular Session Reese Present law providesfortheregulation ofvirtualcurrencyandlicensure of persons engaged in virtual currencybusiness activity.
Present law defines "virtual currency kiosk" and provides for the operation and regulation of virtual currencykiosks.
Show all 79 changed rows (39 more)
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Present law provides for a maximum daily transaction limit of $3,000 for each user of a Page 4 of 6 Coding:
SLS 26RS-505 REENGROSSED SB NO.
SB NO.
287 kiosk and provides that an owner or operator of a kiosk wait 72 hour before processing a virtual currency kiosk transaction.
287 ENROLLED (1) The name and contact information of the licensee, including but not limited to the licensee's business address and a customer service toll-free telephone number established by the licensee to answer questions, to allow residents to canceltransactions and receivea full refund for a virtual currency kiosktransactionasprovidedinR.S.6:1389(B),andtoallowresidentstoregister complaints.
Provides for the cancellation and refund of a virtual currency transaction.
(2) The type, value,date,andprecisetime ofthetransactionand the unique identifier of the virtual currency kiosk operator.
Proposed law retains present law and provides that if a virtual currencykiosk operator was not properlylicensed at the time of a transaction, the operator must allow the user to cancel the transaction and receive a full refund at anytime, at the operator's expense.
(3)Thefull amount of eachfeecharged,including butnot limitedtoafee charged directly or indirectly by the virtual currencykiosk operatoror a third party involved in the virtual currency transaction.
Proposed law provides that an owner or operator of a virtual currency kiosk shall acknowledge and respond to a cancellation and refund request within 10 business days.
* * * (6) A statement of the refund policyof the licensee in accordance with the provisions of R.S.
Proposed law requires that a virtual currency kiosk owner or operator clearly disclose all requirements for obtaining a refund.
6:1389.
Further provides that for refund requests based on suspected fraudulent activity the operator may require proof of a police report or similar governmental agency report and proof of identification.
* * * PRESIDENT OF THE SENATE SPEAKER OF THE HOUSE OF REPRESENTATIVES GOVERNOR OF THE STATE OF LOUISIANA APPROVED:
Provides that the submission of a police report or a complaint to the Internet Crime Complaint Center constitutes suspected fraudulent activity.
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Proposedlawrequiresthatanyrefundbeprocessedandcompletedwithing90daysfromthe user's initial request or, if applicable, within 90 days from submission of required fraud documentation and identification, whichever is later, provided such requirements were clearly disclosed.
Proposedlawrequireseachowneroroperatorofavirtualcurrencykioskofferlivecustomer support by telephone.
Provides the toll-free number be displayed on the kiosk and printed on the customer receipt.
Proposedlawrequireseachowneroroperatorofavirtualcurrencykiosktosubmitquarterly reports to the commissioner of the office of financial institutions of all cancellation and refund requests.
Present law requires a licensee to make certain disclosures to residents when an account is open.
Proposed law retains present law and adds that when a new account is opened, the licensee shalldisclosetotheresidentthathehastherighttocontacttheofficeoffinancialinstitutions with complaints or questions about the virtual currencykiosk services.
Presentlawrequiresthatpriortoeachtransaction,thelicenseeprovidenoticetotheresident that once a transaction is executed, it is not reversible.
Proposedlawchangesthenoticefromthetransactionisnotreversibletothetransactionmay be cancelled within 72 hours.
Present law provides that upon completion of any transaction, the licensee shall provide a receipt containing certain information, including but not limited to the name and contact informationofthelicensee,detailsofthetransaction,anyfeecharged,andtherefundpolicy.
Proposed law retains present law and provides that the licensee shall provide a receipt in paper and electronic form to the resident and include the following information on the receipt:
(1) Thecontactinformationofthelicensee,includingthelicensee'sbusinessaddressand acustomerservicetelephonenumberestablishedbythelicenseetoanswerquestions, to allow residents to cancel transactions and receive a full refund for a virtual currency kiosk transaction, and to allow residents to register complaints.
(2) The unique identifier of the virtual currencykiosk operator.
Page 5 of 6 Coding:
Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.
SLS 26RS-505 REENGROSSED SB NO.
287 (3) The full amount of each fee charged, including a fee charged directly or indirectly by the kiosk operator or a third partyinvolved in the virtual currency transaction.
Effective August 1, 2026.
(Amends R.S.
6:1393.1(E)(6), (F)(4), (H)(intro para), (H)(1), (2), (3), and (6);
adds R.S.
1389(B), (C), (D), and (E) and 1393.1(E)(7)) Summary of Amendments Adopted by Senate Committee Amendments Proposed bySenate Committee on Commerce,Consumer Protection, and International Affairs to the original bill 1.
Allows a user to request cancellationand receivea refund of a transaction at any time if the owner or operator was not licensed at the time of the transaction.
2.
Requires a disclosure of refund requirements and allows kiosk operators to require certain documentation in order to process a refund for suspected fraudulent activity.
3.
Provides a refund must be processed within 90 days of the user's request or 90daysofsubmissionofcertaindocumentsforsuspectedfraudulentactivity, whichever is later.
Senate Floor Amendments to engrossed bill 1.
Makes technical changes.
Page 6 of 6 Coding:
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Amendments

4 amendments

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Action History

  1. Signed by the Governor. Becomes Act No. 482.

  2. Effective date 8/1/2026.

  3. Signed by the Speaker of the House.

  4. Enrolled. Signed by the President of the Senate.

  5. Sent to the Governor by the Secretary of the Senate.

  6. Amendments proposed by the House read and concurred in by a vote of 32 yeas and 0 nays.

  7. Scheduled for floor debate on 05/18/2026.

  8. Read third time by title, roll called on final passage, yeas 96, nays 0. Finally passed, ordered to the Senate.

  9. Received from the House with amendments.

  10. Read by title, amended, passed to 3rd reading.

  11. Reported without Legislative Bureau amendments.

  12. Reported with amendments (11-0). Referred to the Legislative Bureau.

  13. Read by title, under the rules, referred to the Committee on Commerce.

  14. Received in the House from the Senate, read by title, lies over under the rules.

  15. Called from the Calendar.

  16. Senate floor amendments read and adopted. Read by title and passed by a vote of 36 yeas and 0 nays; ordered reengrossed and sent to the House. Motion to reconsider tabled.

  17. Read by title and returned to the Calendar, subject to call.

  18. Read by title. Committee amendments read and adopted. Ordered engrossed and passed to third reading and final passage.

  19. Reported with amendments.

  20. Introduced in the Senate; read by title. Rules suspended. Read second time and referred to the Committee on Commerce, Consumer Protection and International Affairs.

  21. Prefiled and under the rules provisionally referred to the Committee on Commerce, Consumer Protection and International Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 146 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (146)

146 members have not signed on to this bill.

Show all 146 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

CONCUR (#1041)

Passed 32 Yea · 0 Nay · 7 Other
Party YeaNayPresentNot Voting
Unaffiliated 1000
Republican 24003
Democrat 7004
Total 32007
% of votes cast 82%0%0%18%
How each member voted (39)
Member Party Vote
Mr. President — Yea
Edward J. Price Democrat Yea
Gary Carter Democrat Yea
Gerald Boudreaux Democrat Yea
Jay Luneau Democrat Yea
Jimmy Harris Democrat Yea
Katrina R. Jackson-Andrews Democrat Not Voting
Larry Selders Democrat Not Voting
Regina Barrow Democrat Not Voting
Royce Duplessis Democrat Not Voting
Sam Jenkins Democrat Yea
Sidney Barthelemy II Democrat Yea
Adam Bass Republican Yea
Alan Seabaugh Republican Yea
Beth Mizell Republican Not Voting
Blake Miguez Republican Yea
Bob Hensgens Republican Yea
Brach Jerad Myers Republican Not Voting
Caleb Kleinpeter Republican Yea
Eddie J. Lambert Republican Yea
Franklin J. Foil Republican Yea
Glen Womack Republican Yea
Gregory A. Miller Republican Yea
Heather Cloud Republican Yea
Jeremy Stine Republican Yea
John C. "Jay" Morris Republican Not Voting
Jr., William "Bill" Wheat Republican Yea
Kirk Talbot Republican Yea
Mark Abraham Republican Yea
Michael "Big Mike" Fesi Republican Yea
Mike Reese Republican Yea
Patrick Connick Republican Yea
Patrick McMath Republican Yea
Rick Edmonds Republican Yea
Robert "Bob" Owen Republican Yea
Robert Allain Republican Yea
Stewart Jr. Cathey Republican Yea
Thomas A. Pressly Republican Yea
Valarie Hodges Republican Yea

Official roll call →

FINAL PASSAGE (#1339)

Passed 96 Yea · 0 Nay · 9 Other
Party YeaNayPresentNot Voting
Democrat 28002
Republican 62006
Unaffiliated 6001
Total 96009
% of votes cast 91%0%0%9%
How each member voted (105)
Member Party Vote
Amedee — Yea
Galle — Yea
Stagni — Yea
Mr. Speaker — Not Voting
Johnson, T. — Yea
Landry, T. — Yea
St. Blanc — Yea
Adrian Fisher Democrat Yea
Aimee Adatto Freeman Democrat Yea
Alonzo L. Knox Democrat Yea
Barbara Carpenter Democrat Yea
C. Denise Marcelle Democrat Yea
Candace N. Newell Democrat Yea
Chasity Martinez Democrat Yea
Dana Henry Democrat Yea
Delisha Boyd Democrat Yea
Ed Murray Democrat Yea
Edmond Jordan Democrat Yea
Gerald Boudreaux Democrat Yea
III, Ed Larvadain Democrat Yea
Joy Walters Democrat Not Voting
Jr., Kyle M. Green Democrat Yea
Ken Brass Democrat Yea
Mandie Landry Democrat Yea
Marcus Anthony Bryant Democrat Yea
Pat Moore Democrat Yea
Rashid Armand Young Democrat Not Voting
Robby Carter Democrat Yea
Rodney Lyons Democrat Yea
Roy Daryl Adams Democrat Yea
Shaun Raphael Mena Democrat Yea
Sr., Wilford Carter Democrat Yea
Steven Jackson Democrat Yea
Sylvia Elaine Taylor Democrat Yea
Tammy T. Phelps Democrat Yea
Tehmi Jahi Chassion Democrat Yea
Vanessa Caston LaFleur Democrat Yea
Annie Spell Republican Yea
Barbara Reich Freiberg Republican Yea
Beth Anne Billings Republican Yea
Brett F. Geymann Republican Yea
Brian Leonard Glorioso Republican Yea
Bryan Fontenot Republican Yea
Chad Michael Boyer Republican Yea
Chance Keith Henry Republican Yea
Christopher Turner Republican Yea
Danny McCormick Republican Yea
Daryl Andrew Deshotel Republican Yea
Debbie Villio Republican Yea
Dixon Wallace McMakin Republican Yea
Dodie Horton Republican Yea
Emily Chenevert Republican Yea
Foy Bryan Gadberry Republican Yea
Francis C. Thompson Republican Not Voting
Gregory A. Miller Republican Yea
III, Roger William Wilder Republican Yea
III, Vincent E. Cox Republican Yea
IV, Gerald "Beau" Beaullieu Republican Yea
Jack McFarland Republican Not Voting
Jacob Braud Republican Yea
Jacob Jules Landry Republican Yea
Jason Brian DeWitt Republican Yea
Jeffrey "Jeff" Fons Wiley Republican Yea
Jeremy LaCombe Republican Yea
Jerome Zeringue Republican Not Voting
Jessica Domangue Republican Yea
John E. Wyble Republican Yea
Joseph A. Orgeron Republican Yea
Josh Carlson Republican Yea
Jr., Dennis Bamburg Republican Yea
Jr., John R. Illg Republican Yea
Jr., Michael Robert Bayham Republican Yea
Kathy Edmonston Republican Yea
Kellee Hennessy Dickerson Republican Yea
Kim Carver Republican Yea
Kimberly Landry Coates Republican Yea
Larry A. Bagley Republican Not Voting
Lauren Ventrella Republican Yea
Laurie Schlegel Republican Yea
Les Farnum Republican Yea
Mark Wright Republican Not Voting
Michael "Gabe" Firment Republican Yea
Michael Charles Echols Republican Yea
Michael Melerine Republican Yea
Mike Johnson Republican Yea
Neil Riser Republican Yea
Nicholas Muscarello Republican Yea
Paul Sawyer Republican Yea
Phillip Eric Tarver Republican Yea
Polly Thomas Republican Yea
R. Dewith Carrier Republican Yea
Raymond J. Crews Republican Yea
Reese "Skip" Broussard Republican Yea
Rhonda Gaye Butler Republican Yea
Robert "Bob" Owen Republican Yea
Rodney Schamerhorn Republican Yea
Ryan Bourriaque Republican Yea
Shane Mack Republican Yea
Sr., Peter F. Egan Republican Yea
Stephanie H. Berault Republican Yea
Stephanie Hilferty Republican Not Voting
Timothy P. Kerner Republican Yea
Tony Bacala Republican Yea
Troy Jude Hebert Republican Yea
Wayne McMahen Republican Yea

Official roll call →

FINAL PASSAGE (#267)

Passed 36 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Unaffiliated 1000
Republican 26001
Democrat 9002
Total 36003
% of votes cast 92%0%0%8%
How each member voted (39)
Member Party Vote
Mr. President — Yea
Edward J. Price Democrat Yea
Gary Carter Democrat Yea
Gerald Boudreaux Democrat Yea
Jay Luneau Democrat Yea
Jimmy Harris Democrat Yea
Katrina R. Jackson-Andrews Democrat Yea
Larry Selders Democrat Not Voting
Regina Barrow Democrat Not Voting
Royce Duplessis Democrat Yea
Sam Jenkins Democrat Yea
Sidney Barthelemy II Democrat Yea
Adam Bass Republican Yea
Alan Seabaugh Republican Yea
Beth Mizell Republican Yea
Blake Miguez Republican Yea
Bob Hensgens Republican Yea
Brach Jerad Myers Republican Yea
Caleb Kleinpeter Republican Yea
Eddie J. Lambert Republican Yea
Franklin J. Foil Republican Yea
Glen Womack Republican Yea
Gregory A. Miller Republican Yea
Heather Cloud Republican Yea
Jeremy Stine Republican Yea
John C. "Jay" Morris Republican Yea
Jr., William "Bill" Wheat Republican Yea
Kirk Talbot Republican Yea
Mark Abraham Republican Yea
Michael "Big Mike" Fesi Republican Yea
Mike Reese Republican Yea
Patrick Connick Republican Yea
Patrick McMath Republican Not Voting
Rick Edmonds Republican Yea
Robert "Bob" Owen Republican Yea
Robert Allain Republican Yea
Stewart Jr. Cathey Republican Yea
Thomas A. Pressly Republican Yea
Valarie Hodges Republican Yea

Official roll call →

Subjects

finance technology
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors SB 287?
SB 287 is sponsored by Mike Reese (Republican).
What is the current status of SB 287?
This bill has been enacted into law. Introduced February 27, 2026. Enacted.
Where can I track SB 287?
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