{
 "jurisdiction_id": "US-OK",
 "jurisdiction": "United States – Oklahoma",
 "url": "https://payments.gi/jurisdictions/united-states-oklahoma/",
 "generator": "render_jid v13.3.0",
 "date_modified": "2026-08-11",
 "schema_version": "world-payments-v1",
 "counts": {
  "modules": 14,
  "sourced_findings": 52,
  "source_register": 144
 },
 "modules": [
  {
   "code": "W1a",
   "name": "Licensing, Authorisation & Market Access",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w1a-licensing-authorisation-market-access",
   "standing_position": "Oklahoma is mid-transition on its money-transmission licensing regime. HB 3521 (Oklahoma Money Transmission Modernization Act) repeals the Oklahoma Financial Transaction Reporting Act outright effective Nov 1 2026, recodifying at 6 O.S. §1551 et seq. with rewritten fee/net-worth/bond formulas. Digital-asset kiosk operators have been separately licensed under SB 1083 since Nov 1 2025. The new Act's 6 O.S. §1553 definition of money includes fiat-backed, sovereign-pegged, fully reserve-backed stablecoin, while omitting CSBS's broader virtual-currency provisions.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://law.justia.com/codes/oklahoma/title-6/section-6-1513/",
     "source_url": "https://law.justia.com/codes/oklahoma/title-6/section-6-1513/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "surety bond / net worth requirement",
     "source": "https://www.bondexchange.com/oklahoma-money-transmitter-bond-a-comprehensive-guide/",
     "source_url": "https://legiscan.com/OK/text/HB3521/id/3383201/Oklahoma-2026-HB3521-Comm_Sub.pdf",
     "source_tier": "3",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "statute (enacted 2025)",
     "source": "https://www.oklegislature.gov/cf_pdf/2025-26%20ENR/SB/SB1083%20ENR.PDF",
     "source_url": "https://legiscan.com/OK/text/HB3521/id/3383201/Oklahoma-2026-HB3521-Comm_Sub.pdf",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "regulator guidance",
     "source": "https://oklahoma.gov/banking/newsroom/2025/---urgent----memo-to-money-transmitters.html",
     "source_url": "https://legiscan.com/OK/text/HB3521/id/3383201/Oklahoma-2026-HB3521-Comm_Sub.pdf",
     "source_tier": "1",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "pending statute (horizon)",
     "source": "https://www.billtrack50.com/billdetail/1935983",
     "source_url": "https://legiscan.com/OK/text/HB3521/id/3383201/Oklahoma-2026-HB3521-Comm_Sub.pdf",
     "source_tier": "2",
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W1b",
   "name": "Conduct, Safeguarding & Financial Promotions",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w1b-conduct-safeguarding-financial-promotions",
   "standing_position": "Safeguarding for Oklahoma money transmitters rests on the surety-bond model rather than segregation/trust requirements. Conduct and disclosure obligations have been substantially modernized in 2025-2026 via the digital asset kiosk law (consumer refund/disclosure duties), the amended Security Breach Notification Act, and the new Oklahoma Consumer Data Privacy Act, all enforced by the Attorney General.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://law.justia.com/codes/oklahoma/title-6/section-6-1513/",
     "source_url": "https://law.justia.com/codes/oklahoma/title-6/section-6-1513/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (OKCDPA, SB 546)",
     "source": "https://www.hunton.com/privacy-and-cybersecurity-law-blog/oklahoma-enacts-comprehensive-consumer-privacy-law",
     "source_url": "https://www.hunton.com/privacy-and-cybersecurity-law-blog/oklahoma-enacts-comprehensive-consumer-privacy-law",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (Security Breach Notification Act, amended by SB 626)",
     "source": "https://law.justia.com/codes/oklahoma/title-24/section-24-163/",
     "source_url": "https://www.hunton.com/privacy-and-cybersecurity-law-blog/oklahoma-enacts-comprehensive-consumer-privacy-law",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "conduct rules (SB 1083)",
     "source": "https://infobytes.orrick.com/2025-10-31/oklahoma-enacts-new-licensing-and-compliance-requirements-for-digital-asset-kiosk-operators/",
     "source_url": "https://www.hunton.com/privacy-and-cybersecurity-law-blog/oklahoma-enacts-comprehensive-consumer-privacy-law",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W2",
   "name": "Stablecoins & Digital Money",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w2-stablecoins-digital-money",
   "standing_position": "Oklahoma has no dedicated stablecoin-issuer licensing regime but has built adjacent digital-asset legal infrastructure: a 2024 statutory right to self-custody and use digital assets for payment, adoption of UCC Article 12 for controllable electronic records, and the 2025 digital-asset-kiosk money-transmitter regime. At the institutional level, Tulsa-based Vast Bank's crypto-custody banking initiative and subsequent OCC enforcement action illustrate the bank-channel digital-asset experience in-state.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (2024)",
     "source": "https://law.justia.com/codes/oklahoma/2024/title-75a/section-75a-101/",
     "source_url": "https://law.justia.com/codes/oklahoma/2024/title-75a/section-75a-101/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "UCC amendment",
     "source": "https://www.okbar.org/obj/2025/january/42/",
     "source_url": "https://occ.gov/static/enforcement-actions/ea2023-032.pdf",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (2025)",
     "source": "https://www.oklegislature.gov/cf_pdf/2025-26%20ENR/SB/SB1083%20ENR.PDF",
     "source_url": "https://occ.gov/static/enforcement-actions/ea2023-032.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "OCC consent order",
     "source": "https://occ.gov/static/enforcement-actions/ea2023-032.pdf",
     "source_url": "https://occ.gov/static/enforcement-actions/ea2023-032.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W3",
   "name": "Operational Resilience & Critical Infrastructure",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w3-operational-resilience-critical-infrastructure",
   "standing_position": "Operational resilience in Oklahoma is governed principally through the data-security and breach-notification lens rather than a dedicated payments operational-resilience regime. The Security Breach Notification Act was substantially overhauled effective January 1, 2026, and the incoming Consumer Data Privacy Act (2027) adds data-protection-assessment duties; sector-specific critical-infrastructure protection also exists for hospitals.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (SB 626)",
     "source": "https://perkinscoie.com/insights/publication/security-breach-notification-chart-oklahoma",
     "source_url": "https://law.justia.com/codes/oklahoma/title-24/section-24-163/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (SB 626)",
     "source": "https://www.troutmanprivacy.com/2025/11/oklahoma-amends-data-breach-notification-statute/",
     "source_url": "https://law.justia.com/codes/oklahoma/title-24/section-24-163/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator exemption cross-reference",
     "source": "https://oklahoma.gov/banking/rules-and-statutes/money-transmitter-licensing.html",
     "source_url": "https://law.justia.com/codes/oklahoma/title-24/section-24-163/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (OKCDPA)",
     "source": "https://www.fisherphillips.com/en/insights/insights/oklahomas-new-consumer-privacy-law-and-data-breach-updates",
     "source_url": "https://law.justia.com/codes/oklahoma/title-24/section-24-163/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W4",
   "name": "Scheme & Network Compliance",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w4-scheme-network-compliance",
   "standing_position": "Oklahoma has just transitioned its card-surcharge regime: the historic anti-surcharge statute (14A O.S. §2-417) - long treated as unenforceable following a 2019 AG opinion citing federal First Amendment precedent - was formally repealed by SB 677, replaced from November 1, 2025 by a regulated surcharge framework (2% cap, mandatory disclosure) under 14A O.S. §2-211. A separate wire-transmission fee statute funds state anti-money-laundering enforcement.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (SB 677, 2025)",
     "source": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_url": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "AG opinion (2019)",
     "source": "https://www.taftpaytechlaw.com/2020/01/oklahoma-ag-surcharges-ok/",
     "source_url": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://law.justia.com/codes/oklahoma/title-63/section-63-2-503-1j/",
     "source_url": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (14A O.S. §2-211(C))",
     "source": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_url": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W5",
   "name": "Payment Corridor Dynamics",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w5-payment-corridor-dynamics",
   "standing_position": "Oklahoma sits within the broader US-Mexico/Latin America remittance corridor relevant to its Hispanic immigrant population, served by nationally licensed MTOs (Western Union, MoneyGram, Wise and others registered with OSBD) alongside a state-specific wire-transmission fee funding anti-narcotics enforcement. Domestically, the state has completed a notable payments-infrastructure shift to 100% cashless electronic tolling.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "corridor analysis",
     "source": "https://www.dallasfed.org/banking/pubs/dfb/2025/2504-dunbar-remit",
     "source_url": "https://www.dallasfed.org/banking/pubs/dfb/2025/2504-dunbar-remit",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator registry",
     "source": "https://oklahoma.gov/banking/institutions-lists/money-transmitters.html",
     "source_url": "https://tollguru.com/oklahoma-turnpike-toll-roads",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute",
     "source": "https://law.justia.com/codes/oklahoma/title-63/section-63-2-503-1j/",
     "source_url": "https://tollguru.com/oklahoma-turnpike-toll-roads",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "infrastructure conversion",
     "source": "https://tollguru.com/oklahoma-turnpike-toll-roads",
     "source_url": "https://tollguru.com/oklahoma-turnpike-toll-roads",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W6",
   "name": "Industry Structure & Commercial Dynamics",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w6-industry-structure-commercial-dynamics",
   "standing_position": "Oklahoma's payments-adjacent industry structure is anchored by BancFirst (the state's largest state-chartered bank, publicly listed, ~$14bn assets) and Oklahoma City-based Paycom, a major publicly traded payroll/HCM SaaS provider. A distinct niche of specialized community banks and fintech processors has emerged to serve the state's cash-intensive, federally-unbanked medical cannabis industry.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://en.wikipedia.org/wiki/Paycom",
     "source_url": "https://www.prnewswire.com/news-releases/bancfirst-corporation-announces-acquisition-of-american-bank-of-oklahoma-302461146.html",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://www.prnewswire.com/news-releases/bancfirst-corporation-announces-acquisition-of-american-bank-of-oklahoma-302461146.html",
     "source_url": "https://en.wikipedia.org/wiki/Paycom",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://oklahomastatecannabis.org/business/banking",
     "source_url": "https://en.wikipedia.org/wiki/Paycom",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market structure",
     "source": "https://occ.gov/static/enforcement-actions/eaAA-SO-2025-49.pdf",
     "source_url": "https://en.wikipedia.org/wiki/Paycom",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W7",
   "name": "Legal & Litigation",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w7-legal-litigation",
   "standing_position": "The most significant recent payments-adjacent enforcement action in Oklahoma is the OCC's 2023-2025 consent order against Tulsa's Vast Bank over crypto-custody and safety-and-soundness deficiencies. Separately, Oklahoma-affiliated tribal entities have been recurring defendants/parties in a decade-plus of multi-state litigation over payday-lending sovereign-immunity claims, and OCC took a 2025 prohibition action against a former officer of an Alva, Oklahoma bank.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "OCC consent order",
     "source": "https://occ.gov/static/enforcement-actions/ea2023-032.pdf",
     "source_url": "https://occ.gov/news-issuances/news-releases/2025/nr-occ-2025-90.html",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "OCC order termination",
     "source": "https://occ.gov/news-issuances/news-releases/2025/nr-occ-2025-90.html",
     "source_url": "https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-12.html",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "OCC prohibition order",
     "source": "https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-12.html",
     "source_url": "https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-12.html",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "multi-state litigation",
     "source": "https://www.propublica.org/article/states-tribal-lenders-high-interest-rates",
     "source_url": "https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-12.html",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W8",
   "name": "Merchant Acquiring & Risk",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w8-merchant-acquiring-risk",
   "standing_position": "Oklahoma's merchant-acquiring landscape was reshaped by the November 2025 surcharge-law overhaul (2% cap, mandatory disclosure) replacing decades of unenforceable prohibition, alongside new transaction and fee caps for digital-asset kiosk operators. Cannabis remains the state's most prominent high-risk merchant category, requiring specialized acquiring/banking arrangements due to continued federal illegality.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (SB 677)",
     "source": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_url": "https://www.bassberry.com/news/bedlam-no-more-oklahoma-formally-allows-credit-card-surcharges/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator guidance (SB 1083)",
     "source": "https://www.sheppard.com/insights/blogs/oklahoma-issues-memo-detailing-new-digital-asset-kiosk-licensing-requirements",
     "source_url": "https://www.sheppard.com/insights/blogs/oklahoma-issues-memo-detailing-new-digital-asset-kiosk-licensing-requirements",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "high-risk merchant vertical",
     "source": "https://shfinancial.org/locations/oklahoma",
     "source_url": "https://www.sheppard.com/insights/blogs/oklahoma-issues-memo-detailing-new-digital-asset-kiosk-licensing-requirements",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "card-brand rule",
     "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/oklahoma-surcharge-laws/",
     "source_url": "https://www.sheppard.com/insights/blogs/oklahoma-issues-memo-detailing-new-digital-asset-kiosk-licensing-requirements",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W9",
   "name": "Product Innovation & Market Development",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w9-product-innovation-market-development",
   "standing_position": "Product innovation in Oklahoma payments centers on the rise-and-retreat of bank-led crypto custody services (Vast Bank), the 2024 statewide conversion to fully cashless electronic tolling, and state-backed venture-capital programs supporting Oklahoma-based technology/fintech innovation.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "product launch",
     "source": "https://www.bankingdive.com/news/vast-banks-new-platform-aims-for-the-crypto-curious/608676/",
     "source_url": "https://www.bankingdive.com/news/vast-banks-new-platform-aims-for-the-crypto-curious/608676/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "product discontinuation",
     "source": "https://www.bankingdive.com/news/vast-bank-oklahoma-discontinues-crypto-mobile-app/706467/",
     "source_url": "https://www.bankingdive.com/news/vast-banks-new-platform-aims-for-the-crypto-curious/608676/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state venture program",
     "source": "https://oklahoma.gov/ocast/funding-opportunities/ssbci.html",
     "source_url": "https://www.bankingdive.com/news/vast-banks-new-platform-aims-for-the-crypto-curious/608676/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "payments infrastructure",
     "source": "https://tollguru.com/oklahoma-toll",
     "source_url": "https://www.bankingdive.com/news/vast-banks-new-platform-aims-for-the-crypto-curious/608676/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W10",
   "name": "Consumer Protection & APP Fraud",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w10-consumer-protection-app-fraud",
   "standing_position": "Consumer protection in Oklahoma payments has been substantially strengthened across 2025-2026: the amended Security Breach Notification Act, the new Consumer Data Privacy Act, and fraud-specific consumer safeguards embedded in the digital-asset-kiosk law (a common APP-fraud vector) collectively give the Attorney General expanded enforcement tools, though the state still lacks a bespoke bank-transfer APP-fraud reimbursement mandate akin to the UK's PSR regime.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (OKCDPA)",
     "source": "https://www.hunton.com/privacy-and-cybersecurity-law-blog/oklahoma-enacts-comprehensive-consumer-privacy-law",
     "source_url": "https://www.hunton.com/privacy-and-cybersecurity-law-blog/oklahoma-enacts-comprehensive-consumer-privacy-law",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (SB 626)",
     "source": "https://www.fisherphillips.com/en/insights/insights/oklahomas-new-consumer-privacy-law-and-data-breach-updates",
     "source_url": "https://infobytes.orrick.com/2025-10-31/oklahoma-enacts-new-licensing-and-compliance-requirements-for-digital-asset-kiosk-operators/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "consumer protection rules (SB 1083)",
     "source": "https://infobytes.orrick.com/2025-10-31/oklahoma-enacts-new-licensing-and-compliance-requirements-for-digital-asset-kiosk-operators/",
     "source_url": "https://infobytes.orrick.com/2025-10-31/oklahoma-enacts-new-licensing-and-compliance-requirements-for-digital-asset-kiosk-operators/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulatory trend",
     "source": "https://www.consumerfinanceandfintechblog.com/2025/11/oklahoma-issues-memo-detailing-new-digital-asset-kiosk-licensing-requirements/",
     "source_url": "https://infobytes.orrick.com/2025-10-31/oklahoma-enacts-new-licensing-and-compliance-requirements-for-digital-asset-kiosk-operators/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W11",
   "name": "AML/CFT & Financial Crime",
   "confidence": "Possible",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w11-aml-cft-financial-crime",
   "standing_position": "W11 for US-OK is Sentinel.gi-fed by design; no jurisdiction-specific Sentinel.gi corpus item was available to this collector for US-OK at baseline. The module is populated with the general regulatory AML/CFT backdrop applicable to Oklahoma money transmitters (FinCEN MSB registration, OFAC screening, cannabis-related SAR obligations) as contextual placeholder pending Sentinel.gi feed integration; this is NOT original illicit-finance analysis.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "AML/CFT baseline context (non-Sentinel, contextual only)",
     "source": "sentinel.gi/placeholder-not-yet-populated-US-OK",
     "source_url": null,
     "source_tier": "4",
     "retrieved_at": null
    },
    {
     "finding": null,
     "instrument_type": "AML/CFT baseline context (non-Sentinel, contextual only)",
     "source": "sentinel.gi/placeholder-not-yet-populated-US-OK",
     "source_url": null,
     "source_tier": "4",
     "retrieved_at": null
    }
   ]
  },
  {
   "code": "W12",
   "name": "Correspondent Banking, Settlement & Access",
   "confidence": "High",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w12-correspondent-banking-settlement-access",
   "standing_position": "Correspondent-banking access in Oklahoma is most visibly strained around the cash-intensive medical cannabis sector, which faces de-risking from mainstream correspondent networks due to federal illegality despite state licensing; a niche of specialized banks has emerged to fill the gap. Oklahoma's Attorney General has also engaged federally on cannabis-banking reform, and OCC supervisory action against Vast Bank touched custody/safekeeping arrangements relevant to settlement access.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "de-risking",
     "source": "https://mmjrecs.com/cannabis-banking-in-oklahoma-all-you-need-to-know/",
     "source_url": "https://mmjrecs.com/cannabis-banking-in-oklahoma-all-you-need-to-know/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "policy advocacy",
     "source": "https://www.oba.com/2025/08/08/state-attorneys-general-urge-passage-of-cannabis-banking-rule/",
     "source_url": "https://www.oba.com/2025/08/08/state-attorneys-general-urge-passage-of-cannabis-banking-rule/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "specialized banking access",
     "source": "https://shfinancial.org/locations/oklahoma",
     "source_url": "https://www.oba.com/2025/08/08/state-attorneys-general-urge-passage-of-cannabis-banking-rule/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "custody/settlement controls",
     "source": "https://occ.gov/static/enforcement-actions/ea2023-032.pdf",
     "source_url": "https://www.oba.com/2025/08/08/state-attorneys-general-urge-passage-of-cannabis-banking-rule/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W13",
   "name": "Commercial Intelligence & Fintech",
   "confidence": "Confirmed",
   "moved_this_cycle": false,
   "url": "https://payments.gi/jurisdictions/united-states-oklahoma/#w13-commercial-intelligence-fintech",
   "standing_position": "The dominant trailing-12-month commercial event in the Oklahoma payments/banking space is BancFirst Corporation's acquisition and completed merger integration of American Bank of Oklahoma. No other Oklahoma-specific, distinctly-dated fintech M&A, funding-round, or product-launch events within the trailing 12-month window were surfaced by targeted search beyond national-level trend commentary.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "M&A (8-K filing)",
     "source": "https://www.stocktitan.net/sec-filings/BANF/8-k-bancfirst-corp-ok-reports-material-event-bc5d9435f2f4.html",
     "source_url": "https://www.federalreserve.gov/newsevents/pressreleases/files/orders20251003b1.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  }
 ]
}