A new Michigan law ties cryptocurrency kiosk regulations directly to consumer protection liability—and most property owners haven't heard about it yet.
Most Michigan property and real estate owners don't realize they may have just taken on a new legal obligation. If your building, business, or managed property hosts or operates a cryptocurrency exchange kiosk, a recently enacted state law has changed your compliance responsibilities—and the penalties for getting it wrong.
Michigan House Bill 6223, which amends the Michigan Consumer Protection Act, creates a direct legal link between cryptocurrency kiosk operations and consumer protection enforcement. Here's the plain-English version: any small business that operates or hosts a cryptocurrency exchange kiosk and violates specific sections of Michigan's cryptocurrency exchange kiosk regulation act (HB 6222) is now automatically considered to have committed an unfair, unconscionable, or deceptive act under state consumer protection law.
That matters because violations of the Consumer Protection Act expose a business to civil liability, enforcement action by the Michigan Attorney General, and the right of consumers to sue privately. In other words, a kiosk compliance problem isn't just a regulatory issue—it's a liability issue.
The law specifically references sections 5, 7, 9, and 11 of HB 6222, the companion cryptocurrency exchange kiosk regulation act. These sections cover the core operational and disclosure requirements for how kiosks must function and what information must be provided to users. If your kiosk or a tenant's kiosk violates any of those four sections, your business has technically violated the Consumer Protection Act.
This applies to property owners and managers who either directly operate a cryptocurrency kiosk or allow one to operate on their premises. It also applies to small businesses that host or operate such kiosks. If you lease space to a tenant running a kiosk, you should understand your own exposure and ensure your lease terms address compliance responsibility.
HB 6223 becomes effective 90 days after enactment, but only if HB 6222 (the companion cryptocurrency exchange kiosk regulation act) also becomes law. Both bills must pass for the new liability framework to activate. The specific legal change is codified in Section 3(1)(ll) of the Michigan Consumer Protection Act, as inserted by HB 6223.
If you currently host or operate a cryptocurrency kiosk, review the specific requirements in HB 6222, sections 5, 7, 9, and 11. Ensure your kiosk operation complies with those sections. If you lease space to a tenant operating a kiosk, clarify in your lease who bears responsibility for regulatory compliance and any resulting liability. Consider whether your insurance covers this exposure.
This is a technical but material change to Michigan business law. The intersection of real estate operations and consumer protection liability deserves attention before the 90-day window closes.
Source: Michigan House Bill 6223 (amending MCL 445.903); tied to HB 6222 (H07207'26).