AARP ND 2025 Legislative Wins

In 2025 we urged lawmakers to help lower the cost of prescription drugs, fight fraud, expand affordable, accessible housing options, and provide property tax relief.

Historic Win for Fraud Prevention: Regulating Crypto ATMs
In a historic win for fraud prevention, North Dakota became only the second state in the nation to enact legislation regulating cryptocurrency kiosks and creating important consumer protections to save older North Dakotans from becoming victims of fraud.

In 2023, the FBI received more than 5,500 complaints involving crypto kiosks, and Americans reported over $189 million in stolen funds, including over $6 million from North Dakotans.

House Bill 1447, sponsored by Representative Steve Swiontek, was introduced due to the rise in fraudulent activity involving cryptocurrency kiosks. Cryptocurrency ATMs, also known as “crypto kiosks” or “virtual currency kiosks,” can be found in supermarkets, convenience stores, gas stations, bars, and restaurants. Crypto ATMs look like bank ATMs and allow people to conduct legitimate cryptocurrency transactions, such as sending money to digital wallets. Criminals exploit new and emerging technologies to commit fraud.

Beginning August 1, HB 1447 creates new consumer protections against fraud. The new law requires:

• Licensing cryptocurrency kiosk operators
• Imposing daily transaction limits
• Posting fraud warning notices on the kiosks
• Providing receipts with relevant transaction information to aid in law enforcement investigations

Reducing Prescription Drug Costs
AARP led efforts to lower the cost of prescription drugs by advocating for the passage of House Bill 1114, which expanded the $25/month cap on out-of-pocket expenses for insulin and related medical supplies to the private insurance market.


Increasing access to Affordable and Accessible Housing
Consistently one of the top concerns of North Dakotans as they age is the ability to remain independent in their homes and communities. People of all ages and ability levels need safe and affordable housing.

During the 2025 session, the ND legislature considered several bills for funding to support housing accessibility that AARP supported. The bills that passed included $1 million for remodel/rehab to make homes more age-friendly and accessible, and $25 million for the Housing Incentive fund (HIF) to help communities build more affordable housing.

Property Tax Relief
AARP advocated for property tax relief to help seniors age in place. House Bill 1176 increased the primary residence credit from $500 to $1,600 . Our efforts also contributed to bills that:

• Increased the renters’ credit under the Homestead Tax Credit from $400 to $600
• Continues the Homestead Property Tax Credit for individuals 65 and older or permanently disabled with income of $40,000 or less. These individuals remain eligible for up to 100% of taxable value of homestead or a maximum reduction of taxable value (about $2,000 of property tax).