{
 "jurisdiction_id": "US-ID",
 "jurisdiction": "United States – Idaho",
 "url": "https://payments.gi/jurisdictions/united-states-idaho/",
 "generator": "render_jid v13.3.0",
 "date_modified": "2026-08-11",
 "schema_version": "world-payments-v1",
 "counts": {
  "modules": 14,
  "sourced_findings": 63,
  "source_register": 146
 },
 "modules": [
  {
   "code": "W1a",
   "name": "Licensing, Authorisation & Market Access",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w1a-licensing-authorisation-market-access",
   "standing_position": "Idaho regulates payments/money transmission through the Idaho Money Transmitters Act (Idaho Code Title 26, Chapter 29), administered by the Securities Bureau of the Idaho Department of Finance. Non-bank money transmitters, stored-value issuers/sellers and virtual-currency exchangers must hold an Idaho MTL via NMLS; banks/credit unions are exempt unless issuing through non-bank delegates.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act, Idaho Code Title 26, Chapter 29 (26-2901 et seq.)",
     "source": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_url": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - License Application/Issuance (26-2907, 26-2910)",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/Money%20Transmitters%20Act.pdf",
     "source_url": "https://www.bondexchange.com/idaho-money-transmitter-bond-a-comprehensive-guide/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - net worth/bond thresholds",
     "source": "https://www.bondexchange.com/idaho-money-transmitter-bond-a-comprehensive-guide/",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Enforcement - Order Denying Application for Idaho Money Transmitter License",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/2023/09/2025-12-02-Apex-Order-of-Denial.pdf",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Proposed Chapter 54, Title 28, Idaho Code - Virtual Currency Kiosk Fraud Prevention Act (SB 1359, 2026)",
     "source": "https://www.billtrack50.com/billdetail/1983173",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - exemptions (26-2904)",
     "source": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W1b",
   "name": "Conduct, Safeguarding & Financial Promotions",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w1b-conduct-safeguarding-financial-promotions",
   "standing_position": "Idaho's safeguarding mechanism for money transmitters is a scaled security device (surety bond, irrevocable letter of credit, or similar), not a UK/EU-style client-money segregation or trust regime. Conduct/promotions are governed generically by the Idaho Consumer Protection Act, enforced by the Attorney General.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - security device (26-2908)",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/Money%20Transmitters%20Act.pdf",
     "source_url": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/Money%20Transmitters%20Act.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Consumer Protection Act, Idaho Code Title 48, Chapter 6 (48-601 to 48-619)",
     "source": "https://idaholegalservicesauthority.com/idaho-consumer-protection-law",
     "source_url": "https://www.ag.idaho.gov/consumer-protection/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Consumer Protection Act - enforcement",
     "source": "https://www.ag.idaho.gov/consumer-protection/",
     "source_url": "https://www.ag.idaho.gov/consumer-protection/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - enforcement and criminal penalties (26-2924, 26-2925)",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/Money%20Transmitters%20Act.pdf",
     "source_url": "https://www.ag.idaho.gov/consumer-protection/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "SB 1359 (2026) - proposed disclosure/promotions requirements for virtual currency kiosks",
     "source": "https://www.billtrack50.com/billdetail/1983173",
     "source_url": "https://www.ag.idaho.gov/consumer-protection/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W2",
   "name": "Stablecoins & Digital Money",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w2-stablecoins-digital-money",
   "standing_position": "Idaho has no enacted stablecoin-specific statute as of the baseline date. A GENIUS Act-aligned framework was introduced repeatedly in the 2026 session (HB586/821/901, SB1423) but none enacted. A separate Bitcoin/digital-asset rights framework (SB1296, 2024) is in force.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "Proposed FAST Act stablecoin framework (HB 586/821/901, SB 1423)",
     "source": "https://www.eastidahonews.com/2026/04/trump-family-crypto-venture-lobbied-for-stablecoin-bill-hosted-idaho-legislators-at-mar-a-lago/",
     "source_url": "https://www.eastidahonews.com/2026/04/trump-family-crypto-venture-lobbied-for-stablecoin-bill-hosted-idaho-legislators-at-mar-a-lago/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "House Bill 821 (2026) - FAST Act stablecoin framework",
     "source": "https://idahofreedom.org/house-bill-821-fast-act-stablecoins/",
     "source_url": "https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2024/legislation/S1296.pdf",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Federal GENIUS Act cross-reference",
     "source": "https://idahocapitalsun.com/2026/04/21/trump-family-crypto-venture-lobbied-for-stablecoin-bill-hosted-idaho-legislators-at-mar-a-lago/",
     "source_url": "https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2024/legislation/S1296.pdf",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Department of Finance Crypto ATM Framework Keys (September 2025)",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/2025/09/Crypto-ATM-Framework-Final.pdf",
     "source_url": "https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2024/legislation/S1296.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Senate Bill 1296 (2024) - Idaho digital asset/Bitcoin rights chapter, Title 28",
     "source": "https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2024/legislation/S1296.pdf",
     "source_url": "https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2024/legislation/S1296.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - virtual currency exchange licensing",
     "source": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_url": "https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2024/legislation/S1296.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W3",
   "name": "Operational Resilience & Critical Infrastructure",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w3-operational-resilience-critical-infrastructure",
   "standing_position": "Idaho has no state-specific operational-resilience statute for payments; state-chartered banks/credit unions are examined under the federal/CSBS InTREx framework and FFIEC guidance.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "CSBS accreditation of Idaho Department of Finance",
     "source": "https://www.finance.idaho.gov/consumer-education-r/cybersecurity-and-identity-theft-prevention/",
     "source_url": "https://oig.federalreserve.gov/reports/board-cybersecurity-community-banking-may2025.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "InTREx program (FDIC/CSBS/Federal Reserve interagency IT risk examination)",
     "source": "https://oig.federalreserve.gov/reports/board-cybersecurity-community-banking-may2025.pdf",
     "source_url": "https://www.bdo.com/insights/assurance/what-the-sunset-of-ffeics-cybersecurity-assessment-tool-means-for-financial-institutions",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "FFIEC Cybersecurity Assessment Tool sunset (August 31, 2025)",
     "source": "https://www.bdo.com/insights/assurance/what-the-sunset-of-ffeics-cybersecurity-assessment-tool-means-for-financial-institutions",
     "source_url": "https://www.bdo.com/insights/assurance/what-the-sunset-of-ffeics-cybersecurity-assessment-tool-means-for-financial-institutions",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Operation Cyber Idaho / ICOR (Boise State University)",
     "source": "https://its.idaho.gov/opportunities-initiatives/",
     "source_url": "https://www.bdo.com/insights/assurance/what-the-sunset-of-ffeics-cybersecurity-assessment-tool-means-for-financial-institutions",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W4",
   "name": "Scheme & Network Compliance",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w4-scheme-network-compliance",
   "standing_position": "Idaho imposes no state-specific card-scheme or interchange regulation; surcharging is legal statewide subject only to federal card-brand caps. Repeated attempts (2023, 2025) to bar interchange on the tax/gratuity portion have failed.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "Idaho Code 31-3221 - Payments to court by credit card or debit card",
     "source": "https://codes.findlaw.com/id/title-31-counties-and-county-law/id-st-sect-31-3221",
     "source_url": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/idaho-surcharge-laws/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho credit card surcharge treatment",
     "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/idaho-surcharge-laws/",
     "source_url": "https://idahofreedom.org/senate-bill-1055-electronic-payments-taxes-fees/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Senate Bill 1055 (2025) - proposed interchange-fee restriction on tax/gratuity",
     "source": "https://idahofreedom.org/senate-bill-1055-electronic-payments-taxes-fees/",
     "source_url": "https://idahofreedom.org/senate-bill-1055-electronic-payments-taxes-fees/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho State Controller's Office fiscal policy on credit card fees",
     "source": "https://www.sco.idaho.gov/LivePages/fiscal-policies-credit-card-fees.aspx",
     "source_url": "https://idahofreedom.org/senate-bill-1055-electronic-payments-taxes-fees/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W5",
   "name": "Payment Corridor Dynamics",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w5-payment-corridor-dynamics",
   "standing_position": "Idaho has no state-run payment corridor or rail; cross-border/interstate settlement flows through federal rails and correspondents. The 2024 D. Idaho PayServices Bank ruling confirms Fed discretion over master-account access.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "PayServices Bank v. Federal Reserve Bank of San Francisco (D. Idaho, March 30, 2024)",
     "source": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_url": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Money Transmitters Act - cross-border transmission scope",
     "source": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_url": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Correspondent-account dependency for non-traditional banks",
     "source": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_url": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W6",
   "name": "Industry Structure & Commercial Dynamics",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w6-industry-structure-commercial-dynamics",
   "standing_position": "Idaho's payments-relevant financial industry is dominated by a fast-growing credit-union sector (ICCU) alongside consolidating community banks, most visibly Glacier Bancorp's 2025 acquisition of Bank of Idaho.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "Glacier Bancorp / Bank of Idaho Holding Co. acquisition",
     "source": "https://www.sec.gov/Archives/edgar/data/0000868671/000086867125000063/pressreleasedatedmay1202.htm",
     "source_url": "https://www.temenos.com/success-story/iccu-success-story/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Central Credit Union (ICCU) market position",
     "source": "https://www.temenos.com/success-story/iccu-success-story/",
     "source_url": "https://idahobankers.org/community-banking/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho credit union sector size (NCUA data)",
     "source": "https://www.creditunionsonline.com/idaho-credit-unions.html",
     "source_url": "https://idahobankers.org/community-banking/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Bankers Association commentary",
     "source": "https://idahobankers.org/community-banking/",
     "source_url": "https://idahobankers.org/community-banking/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W7",
   "name": "Legal & Litigation",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w7-legal-litigation",
   "standing_position": "Idaho's litigation/enforcement register centres on the federal Fed master-account discretion precedent, DoF administrative MTL denials, and the 2026 veto of bipartisan crypto-kiosk fraud legislation.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "PayServices Bank v. FRBSF, D. Idaho (March 30, 2024)",
     "source": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_url": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Department of Finance administrative order (Docket 2025-12-02)",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/2023/09/2025-12-02-Apex-Order-of-Denial.pdf",
     "source_url": "https://www.finance.idaho.gov/wp-content/uploads/2023/09/2025-12-02-Apex-Order-of-Denial.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Gubernatorial veto of Senate Bill 1359 (Virtual Currency Kiosk Fraud Prevention Act)",
     "source": "https://www.idahopress.com/news/sen-ruchti-aarp-disappointed-in-veto-of-legislation-addressing-virtual-currency-kiosk-fraud/article_409b6089-36cd-4589-a3e6-db0d49bac826.html",
     "source_url": "https://www.idahopress.com/news/sen-ruchti-aarp-disappointed-in-veto-of-legislation-addressing-virtual-currency-kiosk-fraud/article_409b6089-36cd-4589-a3e6-db0d49bac826.html",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W8",
   "name": "Merchant Acquiring & Risk",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w8-merchant-acquiring-risk",
   "standing_position": "Idaho has no dedicated merchant-acquiring statute; acquiring is delivered through bank/credit-union partnerships with national processors under general federal card-network rules.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "ICCU merchant services (Fiserv/Clover partnership)",
     "source": "https://www.iccu.com/business/services/merchant-services/",
     "source_url": "https://www.iccu.com/business/services/merchant-services/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho merchant surcharge practice",
     "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/idaho-surcharge-laws/",
     "source_url": "https://www.iccu.com/business/services/merchant-services/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Money-transmitter licensing overlap for payment processors",
     "source": "https://www.finance.idaho.gov/securities-bureau/money-transmitters/",
     "source_url": "https://www.iccu.com/business/services/merchant-services/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W9",
   "name": "Product Innovation & Market Development",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w9-product-innovation-market-development",
   "standing_position": "Product innovation in Idaho payments concentrates in credit-union/fintech vendor partnerships and the pending stablecoin/digital-asset legislative track; no state sandbox or open-banking mandate exists.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "ICCU AI-automated credit underwriting (Zest AI)",
     "source": "https://www.zest.ai/learn/success_stories/idaho-central-credit-union/",
     "source_url": "https://www.finance.idaho.gov/wp-content/uploads/2025/09/Crypto-ATM-Framework-Final.pdf",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "ICCU / Upstart AI lending marketplace partnership",
     "source": "https://www.fintechfutures.com/press-releases/idaho-central-credit-union-selects-upstart-for-personal-lending",
     "source_url": "https://www.zest.ai/learn/success_stories/idaho-central-credit-union/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "ICCU / Alkami ORB digital banking platform",
     "source": "https://www.fintechfutures.com/credit-unions-building-societies/idaho-central-credit-union-opts-for-alkami-orb-platform",
     "source_url": "https://www.zest.ai/learn/success_stories/idaho-central-credit-union/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Department of Finance Crypto ATM oversight framework proposal",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/2025/09/Crypto-ATM-Framework-Final.pdf",
     "source_url": "https://www.zest.ai/learn/success_stories/idaho-central-credit-union/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W10",
   "name": "Consumer Protection & APP Fraud",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w10-consumer-protection-app-fraud",
   "standing_position": "Idaho's most acute payments consumer-harm vector is APP-style fraud via crypto kiosks targeting seniors; a 2026 bill to address it passed both chambers but was vetoed.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "Attorney General consumer-fraud advisory on crypto ATM scams",
     "source": "https://www.ag.idaho.gov/newsroom/attorney-general-labrador-warns-idahoans-about-cryptocurrency-atm-scams/",
     "source_url": "https://www.ag.idaho.gov/newsroom/attorney-general-labrador-warns-idahoans-about-cryptocurrency-atm-scams/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "FBI IC3 2025 data on Idaho cryptocurrency fraud losses",
     "source": "https://www.idahopress.com/news/sen-ruchti-aarp-disappointed-in-veto-of-legislation-addressing-virtual-currency-kiosk-fraud/article_409b6089-36cd-4589-a3e6-db0d49bac826.html",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "AARP-backed Virtual Currency Kiosk Fraud Prevention Act (2026)",
     "source": "https://www.aarp.org/states/idaho/protecting-your-money-from-crypto-kiosk-fraud/",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "SB 1359 (2026) transaction limits and refund mechanics",
     "source": "https://www.billtrack50.com/billdetail/1983173",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Consumer Protection Act - baseline consumer redress",
     "source": "https://idaholegalservicesauthority.com/idaho-consumer-protection-law",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Department of Finance senior-focused fraud framework (SFFEP)",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/2025/09/SFFEP-Crypto-ATM-Final-Approved.pdf",
     "source_url": "https://www.billtrack50.com/billdetail/1983173",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W11",
   "name": "AML/CFT & Financial Crime",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w11-aml-cft-financial-crime",
   "standing_position": "Idaho's payments AML/CFT posture rests on the federal BSA/FinCEN MSB framework layered onto state MTL licensing; no original illicit-finance analysis performed in this module.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "sentinel.reform_track - FinCEN AML/CFT program modernisation NPRM (2026)",
     "source": "https://www.federalregister.gov/documents/2026/04/10/2026-07033/anti-money-laundering-and-countering-the-financing-of-terrorism-programs",
     "source_url": null,
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": "Idaho operates under the federal BSA/AML framework (FinCEN, OFAC) with state-level money transmitter licensing administered by the Idaho Department of Finance. No Idaho-specific BO registry exists; the state relies on the federal CTA regime, now sharply narrowed. State AML supervisory capacity is modest relative to crypto-enabled fraud exposure.",
     "instrument_type": "assessment",
     "source": "FIM (sentinel.gi) per-JID baseline profile — United States — Idaho",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    },
    {
     "finding": "Gap: sourcing-thinness",
     "instrument_type": "gap",
     "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    },
    {
     "finding": "Gap: enforcement-absence",
     "instrument_type": "gap",
     "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-001)",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    },
    {
     "finding": "Sanctions: OFAC listing",
     "instrument_type": "sanctions_change",
     "source": "FIM (sentinel.gi) sanctions_change_register (issue FIM-BASE-SANC-001)",
     "source_url": null,
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": "Gap: regulatory-failure",
     "instrument_type": "gap",
     "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002)",
     "source_url": null,
     "source_tier": null,
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W12",
   "name": "Correspondent Banking, Settlement & Access",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w12-correspondent-banking-settlement-access",
   "standing_position": "Idaho community banks/credit unions access settlement rails predominantly through correspondent relationships rather than direct Fed master accounts, reflecting the discretionary access regime confirmed in D. Idaho.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "PayServices Bank v. FRBSF - master account/correspondent dependency",
     "source": "https://www.consumerfinancemonitor.com/2024/04/30/districts-of-wyoming-and-idaho-affirm-broad-fed-powers-over-master-accounts/",
     "source_url": "https://www.bbwest.com/idaho-contacts",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Bankers' Bank of the West correspondent services for Idaho community banks",
     "source": "https://www.bbwest.com/idaho-contacts",
     "source_url": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/2022-Idaho-Bank-Act.pdf",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Idaho Bank Act - reliance on federal examination reports",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/2022-Idaho-Bank-Act.pdf",
     "source_url": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/2022-Idaho-Bank-Act.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "Federal Reserve Governor Bowman speech on community banking access (Feb 27, 2025)",
     "source": "https://www.federalreserve.gov/newsevents/speech/bowman20250227a.htm",
     "source_url": "https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/2022-Idaho-Bank-Act.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W13",
   "name": "Commercial Intelligence & Fintech",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-idaho/#w13-commercial-intelligence-fintech",
   "standing_position": "Idaho's payments-adjacent commercial activity in the baseline window is dominated by regulatory/legislative product events rather than confirmed new M&A; the state's marquee bank M&A event (Glacier/Bank of Idaho) closed just outside the strict 12-month window.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "commercial_event: regulatory product framework",
     "source": "https://www.finance.idaho.gov/wp-content/uploads/2025/09/Crypto-ATM-Framework-Final.pdf",
     "source_url": "https://www.sec.gov/Archives/edgar/data/0000868671/000086867125000063/pressreleasedatedmay1202.htm",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event: stablecoin legislative lobbying",
     "source": "https://idahocapitalsun.com/2026/04/21/trump-family-crypto-venture-lobbied-for-stablecoin-bill-hosted-idaho-legislators-at-mar-a-lago/",
     "source_url": "https://www.fintechfutures.com/credit-unions-building-societies/idaho-central-credit-union-opts-for-alkami-orb-platform",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event: regulatory veto affecting kiosk operator CoinFlip",
     "source": "https://www.idahopress.com/news/sen-ruchti-aarp-disappointed-in-veto-of-legislation-addressing-virtual-currency-kiosk-fraud/article_409b6089-36cd-4589-a3e6-db0d49bac826.html",
     "source_url": "https://www.fintechfutures.com/press-releases/idaho-central-credit-union-selects-upstart-for-personal-lending",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event: ICCU GenAI lending product deployment",
     "source": "https://www.zest.ai/learn/success_stories/idaho-central-credit-union/",
     "source_url": "https://idahocapitalsun.com/2026/04/21/trump-family-crypto-venture-lobbied-for-stablecoin-bill-hosted-idaho-legislators-at-mar-a-lago/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "commercial_event: Glacier Bancorp / Bank of Idaho acquisition close (context, outside strict window)",
     "source": "https://www.sec.gov/Archives/edgar/data/0000868671/000086867125000063/pressreleasedatedmay1202.htm",
     "source_url": "https://idahocapitalsun.com/2026/04/21/trump-family-crypto-venture-lobbied-for-stablecoin-bill-hosted-idaho-legislators-at-mar-a-lago/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  }
 ]
}