{ "jurisdiction_id": "US-ME", "jurisdiction": "United States – Maine", "url": "https://payments.gi/jurisdictions/united-states-maine/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 56, "source_register": 118 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-maine/#w1a-licensing-authorisation-market-access", "standing_position": "Maine money transmission is governed by the Maine Money Transmission Modernization Act (32 M.R.S. Chapter 80), effective 2024-07-16, supervised by the Bureau of Consumer Credit Protection; all licensees transitioned to NMLS with mandatory ESB conversion by 2026-01-31.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://buckleyfirm.com/blog/2024-05-03/maine-enacts-new-money-transmission-law-line-money-transmission-modernization-act", "source_url": "https://www.maine.gov/pfr/consumercredit//industry/licensing/money_transmitter.htm", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator guidance", "source": "https://www.maine.gov/pfr/consumercredit//industry/licensing/money_transmitter.htm", "source_url": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/32/title32sec6100-S.html", "source_url": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.ridgewayfs.com/money-transmitter-license-requirements-by-state/", "source_url": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_url": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/enforcement/enforcement_item.shtml?id=734338", "source_url": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=12011697", "source_url": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-maine/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Maine money transmitters must post a $100,000 flat surety bond and maintain 100% permissible-investment coverage; LD 2080 (2026) additionally bans credit-card funding of online sports-betting and casino accounts, restricting permitted funding methods to debit cards, bank transfers, cash, non-credit prepaid cards, bank wires, and approved digital wallets.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/9-A/title9-Asec8-509.html", "source_url": "https://legislature.maine.gov/statutes/9-A/title9-Asec8-509.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/legis/bills/getTestimonyDoc.asp?id=190490", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "safeguarding", "source": "https://suretygroup.com/surety-bond/maine-money-transmitter-license-bond/", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w2-stablecoins-digital-money", "standing_position": "Maine has no dedicated stablecoin-issuer statute; digital-money regulation runs through MMTMA's virtual-currency-business-activity licensing limb and the 2025 kiosk law (transaction limits, fee caps, fraud refunds).", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://www.mainesenate.org/senate-unanimously-sends-sen-curry-bill-to-crack-down-on-cryptocurrency-kiosk-scams-to-governors-desk/", "source_url": "https://legiscan.com/ME/text/LD1339/id/3255418/Maine-2025-LD1339-Chaptered.pdf", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legiscan.com/ME/text/LD1339/id/3255418/Maine-2025-LD1339-Chaptered.pdf", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute/enforcement", "source": "https://wgme.com/news/i-team/deadline-today-maine-bitcoin-atm-scam-victims-can-still-claim-settlement-money", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/legis/bills/getTestimonyDoc.asp?id=190486", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w3-operational-resilience-critical-infrastructure", "standing_position": "Maine has no DORA-equivalent operational-resilience/critical-third-party statute; resilience runs through generic GLBA-consistent infosec rules and BFI's standard IT/BSA examination cycle.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_url": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "supervisory practice", "source": "https://www.maine.gov/pfr/financialinstitutions/sites/maine.gov.pfr.financialinstitutions/files/inline-files/legrep2024_0.pdf", "source_url": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w4-scheme-network-compliance", "standing_position": "Maine's principal scheme/network rule is its outright surcharge ban, one of only a handful of full US state bans; no bespoke interchange regulation exists.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://allaypay.com/blog/processing/credit-card-surcharge-laws-by-state/", "source_url": "https://allaypay.com/blog/processing/credit-card-surcharge-laws-by-state/", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "market development", "source": "https://intellipay.com/is-it-legal-to-pass-on-credit-card-fees-to-customers/", "source_url": "https://intellipay.com/is-it-legal-to-pass-on-credit-card-fees-to-customers/", "source_tier": "4", "retrieved_at": null } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w5-payment-corridor-dynamics", "standing_position": "Maine's principal payments-corridor exposure is its 611-mile Canada border; no Maine-specific cross-border payments instrument exists beyond standard MTO licensing.", "findings": [ { "finding": null, "instrument_type": "market context", "source": "https://recordsfinder.com/driving/usborder/border-crossings/me/", "source_url": "https://recordsfinder.com/driving/usborder/border-crossings/me/", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "market context", "source": "https://thedialogue.org/blogs/2025/04/the-state-of-the-remittance-industry-and-an-outlook-for-2025", "source_url": "https://recordsfinder.com/driving/usborder/border-crossings/me/", "source_tier": "3", "retrieved_at": null } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w6-industry-structure-commercial-dynamics", "standing_position": "Maine's payments-adjacent financial sector is dominated by community/mutual savings banks and credit unions, consolidating via the Gorham Savings/Maine Community Bancorp merger and Corient's new trust-company formation/H.M. Payson acquisition.", "findings": [ { "finding": null, "instrument_type": "market structure", "source": "https://www.maine.gov/pfr/financialinstitutions/about/who-we-regulate", "source_url": "https://mainebiz.biz/article/gorham-savings-completes-merger-with-maine-community-bank/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "market structure", "source": "https://mainebiz.biz/article/gorham-savings-completes-merger-with-maine-community-bank/", "source_url": "https://www.maine.gov/pfr/financialinstitutions/", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "market structure", "source": "https://www.maine.gov/pfr/financialinstitutions/", "source_url": "https://www.maine.gov/pfr/financialinstitutions/", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "market context", "source": "https://www.bankingdive.com/news/2026-bank-mergers-acquisitions-outlook-faster-approval-regionals-midterm-elections-buyer-pool/809514/", "source_url": "https://www.maine.gov/pfr/financialinstitutions/", "source_tier": "4", "retrieved_at": null } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w7-legal-litigation", "standing_position": "Maine payments litigation/enforcement centers on BCCP consent-order practice against unlicensed/non-compliant transmitters and processors, backstopped by the Attorney General's UTPA authority.", "findings": [ { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_url": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=12011697", "source_url": "https://www.maine.gov/ag/consumer-protection/consumer-help-topics/purchasing-goods-and-services/maine-unfair-trade-practices", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/enforcement/enforcement_item.shtml?id=734338", "source_url": "https://www.maine.gov/ag/consumer-protection/consumer-help-topics/purchasing-goods-and-services/maine-unfair-trade-practices", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.maine.gov/ag/consumer-protection/consumer-help-topics/purchasing-goods-and-services/maine-unfair-trade-practices", "source_url": "https://www.maine.gov/ag/consumer-protection/consumer-help-topics/purchasing-goods-and-services/maine-unfair-trade-practices", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w8-merchant-acquiring-risk", "standing_position": "Merchant acquiring economics are directly shaped by the card-surcharge ban; check-cashing/cash-dispensing registrants operate under separate fee-capped registration.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://www.maine.gov/pfr/consumercredit/consumer/surcharge.html", "source_url": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_url": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=12011697", "source_url": "https://legislature.maine.gov/statutes/32/title32ch80.pdf", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w9-product-innovation-market-development", "standing_position": "Instant-payments adoption (FedNow) is the leading product-innovation vector in Maine; the 2025 kiosk law is a fast-turnaround regulatory response to a new product category.", "findings": [ { "finding": null, "instrument_type": "product", "source": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_url": "https://www.nerdwallet.com/banking/learn/banks-that-use-fednow", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "product", "source": "https://us.eascorp.org/correspondent-services/fednow-service/", "source_url": "https://legislature.maine.gov/legis/bills/getTestimonyDoc.asp?id=190490", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "product/horizon", "source": "https://www.federalreserve.gov/newsevents/pressreleases/other20260408a.htm", "source_url": "https://legislature.maine.gov/legis/bills/getTestimonyDoc.asp?id=190490", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "product regulation", "source": "https://legislature.maine.gov/legis/bills/getTestimonyDoc.asp?id=190490", "source_url": "https://legislature.maine.gov/legis/bills/getTestimonyDoc.asp?id=190490", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w10-consumer-protection-app-fraud", "standing_position": "Maine has built a comprehensive state-level consumer-protection stack anchored by the kiosk fraud-refund law, the Bitcoin Depot redress program, the breach-notification regime, and UTPA's private right of action.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://wgme.com/news/i-team/deadline-today-maine-bitcoin-atm-scam-victims-can-still-claim-settlement-money", "source_url": "https://wgme.com/news/i-team/deadline-today-maine-bitcoin-atm-scam-victims-can-still-claim-settlement-money", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.mainesenate.org/senate-unanimously-sends-sen-curry-bill-to-crack-down-on-cryptocurrency-kiosk-scams-to-governors-desk/", "source_url": "https://legislature.maine.gov/legis/statutes/10/title10sec1348.html", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement", "source": "https://www.maine.gov/pfr/consumercredit/news/news_item.shtml?id=13338763", "source_url": "https://legislature.maine.gov/legis/statutes/10/title10sec1348.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/10/title10sec1348.html", "source_url": "https://legislature.maine.gov/legis/statutes/10/title10sec1348.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.maine.gov/ag/consumer-protection/consumer-help-topics/purchasing-goods-and-services/maine-unfair-trade-practices", "source_url": "https://legislature.maine.gov/legis/statutes/10/title10sec1348.html", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "statute", "source": "https://www.maine.gov/pfr/consumercredit/consumer/surcharge.html", "source_url": "https://legislature.maine.gov/legis/statutes/10/title10sec1348.html", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w11-aml-cft-financial-crime", "standing_position": "W11 is Sentinel.gi-fed by methodology design; the dedicated feed for US-ME was not accessible this pass. Standing context is limited to statutory BSA/AML scaffolding, not original analysis.", "findings": [ { "finding": null, "instrument_type": "statute", "source": "https://legislature.maine.gov/statutes/32/title32ch79-A.pdf", "source_url": "https://www.maine.gov/pfr/financialinstitutions/sites/maine.gov.pfr.financialinstitutions/files/inline-files/legrep2024_0.pdf", "source_tier": "1", "retrieved_at": null }, { "finding": "Maine AML/CFT sits inside the federal BSA/FinCEN architecture (national primary), supplemented by state licensing of money transmitters and virtual-currency businesses through the Bureau of Consumer Credit Protection (BCCP) and depository-institution AML supervision via the Bureau of Financial Institutions. Maine has been an unusually active state regulator on crypto consumer protection but its authority is now being structurally eroded by federal OCC national-trust-charter preemption and the 2025 federal rollback of domestic beneficial-ownership reporting.", "instrument_type": "assessment", "source": "FIM (sentinel.gi) per-JID baseline profile — United States — Maine", "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: capacity-deficit", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Enforcement: Maine Bureau of Consumer Credit Protection (jointly with Nevada Financial Institutions Division) — Bitcoin Depot Inc. (crypto ATM/kiosk operator)", "instrument_type": "enforcement_action", "source": "FIM (sentinel.gi) enforcement_action_register (issue FIM-BASE-ENF-001)", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": "Gap: regulatory-failure", "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": "GENIUS Act full implementation deadline for stablecoin issuers", "instrument_type": "regulatory_horizon", "source": "FIM (sentinel.gi) regulatory_horizon_register (issue FIM-BASE-HRZ-001)", "source_url": null, "source_tier": "2", "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/united-states-maine/#w12-correspondent-banking-settlement-access", "standing_position": "Maine's smaller banks/credit unions access national settlement rails largely via correspondent providers and pooled Fed accounts, a structure the Fed proposes extending to cross-border legs.", "findings": [ { "finding": null, "instrument_type": "settlement access", "source": "https://us.eascorp.org/correspondent-services/fednow-service/", "source_url": "https://us.eascorp.org/correspondent-services/fednow-service/", "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "settlement access/horizon", "source": "https://www.federalreserve.gov/newsevents/pressreleases/other20260408a.htm", "source_url": "https://www.federalreserve.gov/newsevents/pressreleases/other20260408a.htm", "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "market structure", "source": "https://www.maine.gov/pfr/financialinstitutions/about/who-we-regulate/comprehensive-list-of-financial-institutions", "source_url": "https://www.federalreserve.gov/newsevents/pressreleases/other20260408a.htm", "source_tier": "1", "retrieved_at": null } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Assessed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/united-states-maine/#w13-commercial-intelligence-fintech", "standing_position": "Three national payment/gaming operators (Caesars, DraftKings, FanDuel) have secured tribal-partnership product agreements to power Maine's forthcoming tribal-exclusive online-casino payment rails.", "findings": [ { "finding": null, "instrument_type": "commercial_event", "source": "https://mainebiz.biz/article/gorham-savings-completes-merger-with-maine-community-bank/", "source_url": "https://mainebiz.biz/article/gorham-savings-completes-merger-with-maine-community-bank/", "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.maine.gov/pfr/financialinstitutions/", "source_url": "https://www.maine.gov/pfr/financialinstitutions/", "source_tier": "1", "retrieved_at": null } ] } ] }