{
 "jurisdiction_id": "US-RI",
 "jurisdiction": "United States – Rhode Island",
 "url": "https://payments.gi/jurisdictions/united-states-rhode-island/",
 "generator": "render_jid v13.3.0",
 "date_modified": "2026-08-11",
 "schema_version": "world-payments-v1",
 "counts": {
  "modules": 14,
  "sourced_findings": 54,
  "source_register": 130
 },
 "modules": [
  {
   "code": "W1a",
   "name": "Licensing, Authorisation & Market Access",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w1a-licensing-authorisation-market-access",
   "standing_position": "Rhode Island regulates payments licensing through a state money-transmitter regime (RI Gen. Laws Title 19, Ch. 19-14 and 19-14.3), supervised by the Division of Banking within the Dept. of Business Regulation (DBR). Currency transmission, electronic money transfer, and virtual-currency business activity all route through a single Currency Transmitter License applied for via NMLS. The regime sits within the federal/state dual structure typical of US state MTL law, with statutory exemptions for banks/credit unions and a bond/net-worth floor.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "regulator portal",
     "source": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "source_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws Ch. 19-14.3)",
     "source": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-1.htm",
     "source_url": "https://www.jwsuretybonds.com/states/rhode-island/money-transmitter-bond",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator bulletin (Banking Bulletin 2022-2)",
     "source": "https://dbr.ri.gov/media/23641/download",
     "source_url": "https://www.jwsuretybonds.com/states/rhode-island/money-transmitter-bond",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "surety bond requirement",
     "source": "https://www.jwsuretybonds.com/states/rhode-island/money-transmitter-bond",
     "source_url": "https://www.jwsuretybonds.com/states/rhode-island/money-transmitter-bond",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "NMLS licensing checklist",
     "source": "https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/RI-Electronic-Money-Transfer-Company-New-App-Checklist.pdf",
     "source_url": "https://www.jwsuretybonds.com/states/rhode-island/money-transmitter-bond",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "licensing consolidation note",
     "source": "https://faisalkhan.com/solutions/licensing/money-transmitter-license-mtl/rhode-island-money-transmitter-license/",
     "source_url": "https://www.jwsuretybonds.com/states/rhode-island/money-transmitter-bond",
     "source_tier": "4",
     "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-rhode-island/#w1b-conduct-safeguarding-financial-promotions",
   "standing_position": "Conduct and safeguarding obligations for RI currency transmission licensees are codified in RI Gen. Laws 19-14.3-3.5 through 3.9, covering mandatory customer disclosures, prohibited acts (fraud, BSA/EFTA non-compliance, deceptive advertising), and virtual-currency safeguarding (maintaining sufficient VC holdings to satisfy customer entitlements). The Attorney General's Consumer Protection Unit provides an additional conduct backstop under the state Deceptive Trade Practices Act.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws 19-14.3-3.8)",
     "source": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-3-8/",
     "source_url": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-3-8/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute summary (RI Gen. Laws 19-14.3-3.6)",
     "source": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_url": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute summary (RI Gen. Laws 19-14.3-3.5)",
     "source": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_url": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator (Attorney General Consumer Protection Unit)",
     "source": "https://riag.ri.gov/what-we-do/protect-rhode-island-consumers",
     "source_url": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws 19-14.3-3.8)",
     "source": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-3-8/",
     "source_url": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W2",
   "name": "Stablecoins & Digital Money",
   "confidence": "High",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w2-stablecoins-digital-money",
   "standing_position": "Rhode Island treats virtual-currency business activity (including stablecoin transmission) as currency transmission requiring licensure under Ch. 19-14/19-14.3, with dedicated kiosk-operator licensing, disclosure, and reserve-sufficiency rules. A newly enacted 2026 law (signed by Gov. McKee, effective June 23, 2026) caps daily crypto-kiosk transaction values, reflecting a consumer-protection-driven tightening of the digital-money regime rather than a bespoke stablecoin issuance framework.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute summary (RI Gen. Laws 19-14-1/19-14-2)",
     "source": "https://stevenscenter.wharton.upenn.edu/publications-50-state-review/",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-3.9.htm",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws 19-14.3-3.9)",
     "source": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-3.9.htm",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-3.9.htm",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state law (2026 crypto-kiosk amendment)",
     "source": "https://www.moneylaundering.com/news/amid-federal-stall-us-states-tackle-cryptocurrency-atm-fraud/",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-3.9.htm",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state law (2026 crypto-kiosk amendment)",
     "source": "https://www.governing.com/policy/fearing-scams-states-add-regulations-to-crypto-atms",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-3.9.htm",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "legislative history (H5121)",
     "source": "https://rhodeislandcurrent.com/2025/02/12/r-i-house-bill-would-limit-transactions-add-warning-labels-to-crypto-kiosks/",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-3.9.htm",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W3",
   "name": "Operational Resilience & Critical Infrastructure",
   "confidence": "High",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w3-operational-resilience-critical-infrastructure",
   "standing_position": "Rhode Island enacted a standalone cybersecurity regime for DBR-licensed nonbank financial institutions (S603, effective July 2, 2025), modeled closely on NYDFS Part 500 but with a more lenient three-business-day breach notification window. This sits alongside the general RI Identity Theft Protection Act / data breach notification law (500-resident AG notice trigger), and was tested in practice by the 2024/2025 RIBridges state-benefits-system breach and its $6.3M Deloitte settlement.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "state law (S603, 2025)",
     "source": "https://www.alstonprivacy.com/rhode-islands-new-cybersecurity-law-for-nonbank-financial-institutions/",
     "source_url": "https://www.alstonprivacy.com/rhode-islands-new-cybersecurity-law-for-nonbank-financial-institutions/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state law (S603, 2025)",
     "source": "https://www.americanbanker.com/news/rhode-island-writes-its-own-cybersecurity-rules-for-nonbanks",
     "source_url": "https://www.hipaajournal.com/rhode-island-ri-bridges-system-hack/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state law (S603, 2025)",
     "source": "https://www.cooley.com/news/insight/2025/2025-07-30-rhode-island-enacts-new-financial-institutions-cybersecurity-law-with-immediate-effect",
     "source_url": "https://www.hipaajournal.com/rhode-island-ri-bridges-system-hack/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state law (Identity Theft Protection Act / breach notification law)",
     "source": "https://pivitstrategy.com/rhode-island-cybersecurity-laws-you-should-know-2026/",
     "source_url": "https://www.hipaajournal.com/rhode-island-ri-bridges-system-hack/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "incident precedent (RIBridges breach)",
     "source": "https://www.hipaajournal.com/rhode-island-ri-bridges-system-hack/",
     "source_url": "https://www.hipaajournal.com/rhode-island-ri-bridges-system-hack/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W4",
   "name": "Scheme & Network Compliance",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w4-scheme-network-compliance",
   "standing_position": "Rhode Island permits credit-card surcharging up to 4% (following the 2012-13 national interchange antitrust settlement), subject to point-of-sale/entry disclosure norms, while debit and prepaid cards cannot be surcharged. A more aggressive Illinois-style bill to prohibit interchange fees on the tax/tip portion of transactions (H8212/S2522) was actively debated in the RI General Assembly through March 2026 but has not been enacted, drawing organized opposition from card-network and bank interests.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "state law (post-2013 surcharge settlement)",
     "source": "https://www.ri.gov/press/view/21158",
     "source_url": "https://www.ri.gov/press/view/21158",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "surcharge disclosure requirement",
     "source": "https://merchantcostconsulting.com/lower-credit-card-processing-fees/credit-card-surcharge-laws-by-state/",
     "source_url": "https://www.rilegislature.gov/Special/comdoc/House%20Corporations%202026/03-03-2026--H7607--Frank_McMahon(Interchange%20Legislation%20Materials)--cor.pdf",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "legislative committee materials (H7607, 2026)",
     "source": "https://www.rilegislature.gov/Special/comdoc/House%20Corporations%202026/03-03-2026--H7607--Frank_McMahon(Interchange%20Legislation%20Materials)--cor.pdf",
     "source_url": "https://www.rilegislature.gov/Special/comdoc/House%20Corporations%202026/03-03-2026--H7607--Frank_McMahon(Interchange%20Legislation%20Materials)--cor.pdf",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "pending legislation (H8212/S2522)",
     "source": "https://intellipay.com/surcharge-interchange-fee-legislation-2026/",
     "source_url": "https://www.rilegislature.gov/Special/comdoc/House%20Corporations%202026/03-03-2026--H7607--Frank_McMahon(Interchange%20Legislation%20Materials)--cor.pdf",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "legislative tracking",
     "source": "https://www.paymentsdive.com/news/interchange-card-swipe-fee-state-legislature-bills-illinois/743826/",
     "source_url": "https://www.rilegislature.gov/Special/comdoc/House%20Corporations%202026/03-03-2026--H7607--Frank_McMahon(Interchange%20Legislation%20Materials)--cor.pdf",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W5",
   "name": "Payment Corridor Dynamics",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w5-payment-corridor-dynamics",
   "standing_position": "Rhode Island has no distinct state-level cross-border payment corridor regime; corridor access runs through nationally licensed money transmitters and banks (Western Union, Ria, Wells Fargo ExpressSend, Remitly, etc.) operating under the state's general Ch. 19-14/19-14.3 MTL framework. Providence's substantial Latin American/Caribbean immigrant population makes remittance outflow corridors (Dominican Republic, Guatemala, other Central America) a material but state-law-agnostic feature of the payments landscape.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "remittance corridor profile",
     "source": "https://www.sharemoney.com/us/en/state/rhode-island",
     "source_url": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-1/",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws 19-14.3-1)",
     "source": "https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.3/19-14.3-1.htm",
     "source_url": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-1/",
     "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-rhode-island/#w6-industry-structure-commercial-dynamics",
   "standing_position": "Rhode Island's payments-adjacent banking sector is anchored by Citizens Financial Group (Providence HQ, one of the nation's largest bank holding companies) and Washington Trust (the nation's oldest community bank, RI's largest state-chartered bank), alongside a cluster of community banks (BankRI, BankNewport, Centreville Bank) organized under the Rhode Island Bankers Association. A small but visible private fintech/mortgage-tech presence (e.g., Beeline Holdings) supplements the bank-dominated structure; no distinct nonbank PSP cluster of national scale is headquartered in the state.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "company profile",
     "source": "https://www.citizensbank.com/about-us/our-company/overview.aspx",
     "source_url": "https://www.citizensbank.com/about-us/our-company/overview.aspx",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "market profile",
     "source": "https://wallethub.com/banks/rhode-island",
     "source_url": "https://wallethub.com/banks/rhode-island",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "trade association data",
     "source": "https://ribankers.com/",
     "source_url": "https://wallethub.com/banks/rhode-island",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "company profile",
     "source": "https://pitchbook.com/profiles/company/435258-10",
     "source_url": "https://wallethub.com/banks/rhode-island",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W7",
   "name": "Legal & Litigation",
   "confidence": "Confirmed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w7-legal-litigation",
   "standing_position": "The dominant live payments-adjacent litigation in Rhode Island as of mid-2026 is the multi-front dispute over prediction markets: AG Neronha's state-court suits against Kalshi and Polymarket alleging unlicensed sports gambling, met by Kalshi's federal suit against the state and a CFTC intervention asserting federal preemption over CFTC-designated contract markets. Historical consumer-protection enforcement (e.g., the Centurion Filing Services DTPA settlement) illustrates the AG's active use of the Deceptive Trade Practices Act against payment-adjacent deceptive schemes.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "litigation (RI Superior Court complaint)",
     "source": "https://www.wpri.com/money/lawsuit-targets-polymarket-kalshi-over-alleged-illegal-sports-gambling-in-ri/",
     "source_url": "https://www.wpri.com/money/lawsuit-targets-polymarket-kalshi-over-alleged-illegal-sports-gambling-in-ri/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "litigation (federal District of Rhode Island)",
     "source": "https://turnto10.com/i-team/kalshi-takes-court-action-against-rhode-island-officials-exchange-prediction-market-sports-betting-laws-federal-lawsuit-attorney-general-regulations-may-21-2026",
     "source_url": "https://turnto10.com/i-team/kalshi-takes-court-action-against-rhode-island-officials-exchange-prediction-market-sports-betting-laws-federal-lawsuit-attorney-general-regulations-may-21-2026",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "litigation (CFTC v. Rhode Island)",
     "source": "https://www.sportsbettingdime.com/news/betting/cftc-sues-rhode-island-to-block-prediction-market-lawsuits/",
     "source_url": "https://www.sportsbettingdime.com/news/betting/cftc-sues-rhode-island-to-block-prediction-market-lawsuits/",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "enforcement settlement (DTPA)",
     "source": "https://riag.ri.gov/press-releases/following-enforcement-action-attorney-general-neronha-halts-deceptive-certificate",
     "source_url": "https://www.sportsbettingdime.com/news/betting/cftc-sues-rhode-island-to-block-prediction-market-lawsuits/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W8",
   "name": "Merchant Acquiring & Risk",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w8-merchant-acquiring-risk",
   "standing_position": "Rhode Island has no distinct state-level merchant-acquirer or ISO licensing regime; payment processors settling funds on behalf of merchants generally fall under the general currency-transmission licensing exemption for processing/clearing/settlement performed for exempt persons, or otherwise must hold the standard Currency Transmitter License. Merchant risk management (chargeback thresholds, MATCH-list exposure, high-risk MCC treatment) in Rhode Island operates entirely at the card-network level (Visa VAMP, Mastercard ECM/MATCH) rather than through bespoke state rules.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws 19-14.3-1)",
     "source": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-1/",
     "source_url": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-1/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "card-network program (VAMP)",
     "source": "https://koronapos.com/blog/high-risk-merchant-accounts/",
     "source_url": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-1/",
     "source_tier": "4",
     "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-rhode-island/#w9-product-innovation-market-development",
   "standing_position": "Rhode Island's product-innovation activity centers on responsive consumer-protection regulation of crypto kiosks (2025-26 legislative cycle) rather than a dedicated state fintech sandbox or open-banking initiative -- no RI-government-run regulatory sandbox was identified. Innovation activity is otherwise driven by private-sector participants (Beeline, Citizens Bank's digital platforms) and regional ecosystem events (Boston Fintech Week, CIC Providence) rather than state policy.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "product-response regulation (crypto kiosks)",
     "source": "https://thepublicsradio.org/business/new-bill-aims-to-regulate-crypto-atms-in-rhode-island/",
     "source_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "company technology profile",
     "source": "https://leadiq.com/c/citizens/5a1d8a9624000024006455ac",
     "source_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "absent regulatory instrument",
     "source": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "source_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "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-rhode-island/#w10-consumer-protection-app-fraud",
   "standing_position": "Consumer protection in Rhode Island payments runs through the Deceptive Trade Practices Act (RI Gen. Laws Ch. 6-13.1), enforced by the AG's Consumer Protection Unit, with a targeted 2026 extension addressing authorized-payment fraud specific to crypto kiosks (reimbursement rights modeled on credit-card fraud protections for 'new' kiosk users). The Telephone Sales Solicitation Act adds a registration/enforcement layer relevant to telemarketing-driven payment fraud.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws Ch. 6-13.1)",
     "source": "https://webserver.rilegislature.gov/Statutes/TITLE6/6-13.1/INDEX.htm",
     "source_url": "https://www.governing.com/policy/fearing-scams-states-add-regulations-to-crypto-atms",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "regulator (AG Consumer Protection Unit)",
     "source": "https://www.ri.gov/press/view/26301",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE6/6-13.1/INDEX.htm",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "state law (2026 crypto-kiosk reimbursement)",
     "source": "https://www.governing.com/policy/fearing-scams-states-add-regulations-to-crypto-atms",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE6/6-13.1/INDEX.htm",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "consumer fraud data",
     "source": "https://www.oceanstatemedia.org/the-publics-radio/new-bill-aims-to-regulate-crypto-atms-in-rhode-island",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE6/6-13.1/INDEX.htm",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "statute (Telephone Sales Solicitation Act, RI Gen. Laws 5-61)",
     "source": "https://www.alfainternational.com/compendium/business-litigation-2/telephone-consumer-protection-act-tcpa/rhode-island/",
     "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE6/6-13.1/INDEX.htm",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W11",
   "name": "AML/CFT & Financial Crime",
   "confidence": "High",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w11-aml-cft-financial-crime",
   "standing_position": "W11 baseline content is Sentinel.gi-fed per WPM methodology; no dedicated Sentinel.gi payments-context bulletin specific to US-RI was retrievable in this collection pass. The standing AML posture embedded in RI's payments regime is the statutory requirement that currency-transmission licensees maintain active FinCEN/BSA registration and comply with federal AML program requirements as a condition of state licensure, with active federal prosecutions in the District of Rhode Island illustrating enforcement reality.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "statute (RI Gen. Laws 19-14.3-3.8)",
     "source": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-3-8/",
     "source_url": "https://law.justia.com/codes/rhode-island/title-19/chapter-19-14-3/section-19-14-3-3-8/",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "licensing requirement (AML program)",
     "source": "https://moneytransmitterlaw.com/state-laws/rhode-island/",
     "source_url": "https://www.justice.gov/usao-ri/pr/california-man-pleads-guilty-role-multi-million-dollar-money-laundering-conspiracy",
     "source_tier": "2",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "federal enforcement (D.R.I. prosecution)",
     "source": "https://www.justice.gov/usao-ri/pr/california-man-pleads-guilty-role-multi-million-dollar-money-laundering-conspiracy",
     "source_url": "https://www.justice.gov/usao-ri/pr/california-man-pleads-guilty-role-multi-million-dollar-money-laundering-conspiracy",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W12",
   "name": "Correspondent Banking, Settlement & Access",
   "confidence": "Assessed",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w12-correspondent-banking-settlement-access",
   "standing_position": "Rhode Island has no state-specific correspondent-banking or settlement-access regulation; access runs through the federal AML/CDD framework applicable to all US correspondent relationships. The state's 1990-91 banking crisis (RISDIC collapse) is the formative historical reference point, after which all Rhode Island banks moved to federal deposit insurance -- a foundational condition for the state's current correspondent and settlement access via federally insured institutions such as Citizens Financial Group and Washington Trust.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "historical precedent",
     "source": "https://en.wikipedia.org/wiki/Rhode_Island_banking_crisis",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "federal policy backdrop (correspondent de-risking)",
     "source": "https://www.congress.gov/crs-product/IF10873",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "settlement/correspondent capacity",
     "source": "https://www.citizensbank.com/about-us/our-company/overview.aspx",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "3",
     "retrieved_at": "2026-07-05"
    },
    {
     "finding": null,
     "instrument_type": "absent regulatory instrument",
     "source": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
     "source_url": "https://www.congress.gov/crs-product/IF10873",
     "source_tier": "1",
     "retrieved_at": "2026-07-05"
    }
   ]
  },
  {
   "code": "W13",
   "name": "Commercial Intelligence & Fintech",
   "confidence": "Possible",
   "moved_this_cycle": true,
   "url": "https://payments.gi/jurisdictions/united-states-rhode-island/#w13-commercial-intelligence-fintech",
   "standing_position": "Trailing-12-month (July 2025-July 2026) commercial activity specific to Rhode Island-headquartered payments/fintech entities is limited; the clearest identified event is Providence-based Beeline's corporate deal with MagicBlocks in August 2025. Broader RI-linked commercial activity is dominated by Citizens Financial Group's ordinary-course corporate disclosures rather than discrete M&A/investment events within the window.",
   "findings": [
    {
     "finding": null,
     "instrument_type": "commercial_event",
     "source": "https://pitchbook.com/profiles/company/435258-10",
     "source_url": "https://pitchbook.com/profiles/company/435258-10",
     "source_tier": "4",
     "retrieved_at": "2026-07-05"
    }
   ]
  }
 ]
}