Authorizes the attorney general to bring civil action against a virtual currency kiosk operator

HB 3043 requires virtual currency kiosk operators to clearly disclose key risks to customers before transactions, such as that virtual currency isn't backed by government or protected by deposit insurance. It authorizes the state attorney general to bring civil lawsuits against operators who violate these disclosure rules or other provisions of the law. The bill defines critical terms like "virtual currency kiosk" (an electronic terminal for exchanging fiat currency and virtual currency) and mandates operators to provide written risk disclosures covering irreversibility, market volatility, and regulatory changes. It also establishes confidentiality rules for state division records and ensures federal laws like the Bank Secrecy Act take precedence if conflicts arise. This law directly affects businesses operating physical kiosks for virtual currency exchanges within the state.