Establishes "Virtual Currency Kiosk Consumer Protection Act."

This bill establishes New Jersey's "Virtual Currency Kiosk Consumer Protection Act," requiring virtual currency kiosk operators to provide clear, written disclosures about the risks of virtual currency transactions, including that it's not legal tender and lacks government insurance protection. Operators must obtain a money transmitter license, employ full-time compliance and consumer protection officers, maintain anti-fraud policies, use blockchain analytics to detect fraudulent transactions, and display scam warnings at kiosks. The law mandates quarterly location reporting to the Department of Banking and Insurance, live customer service during business hours, and detailed transaction receipts containing fee and exchange rate information. These requirements aim to protect consumers from financial loss and fraud while standardizing operations for virtual currency kiosks in New Jersey.