The kiosks, the warnings, and the ban

Where Mishawaka actually met crypto: For most residents the city's cryptocurrency infrastructure was never an app or an exchange; it was a kiosk in a store. Directory listings for crypto ATMs in Mishawaka, as those directories stood before the ban, seat the machines at the city's ordinary retail addresses, among them: a Coin Cloud digital-currency machine at 335 West McKinley Avenue; LibertyX Bitcoin purchase points at the Kroger at 2330 North Hickory Road, at 4501 Lincolnway East, at Casey's, 5410 Lincolnway East, at 906 South Merrifield Avenue and at 110 East McKinley Avenue, with a further LibertyX listing at the Target at 155 East University Drive, Granger, on Mishawaka's edge; and a Crypto Dispensers CDReload point at the CVS Pharmacy, 210 North Main Street. The listings are printed as directory evidence — they prove the machines were marketed as present at those addresses in the listings' own time; they are not a count, dates of installation and removal are not given in the record reached, and no official count of the machines that stood in Mishawaka appears in any source reached. Statewide, the Legislative Services Agency's fiscal note on the 2026 kiosk bill estimated 903 virtual currency kiosks operating in Indiana as of January 2026. The machines' documented harm is the reason they have a history at all: across the country the kiosk became the payment rail of the impersonation scam, in which a caller posing as an officer, a bank or a utility directs a frightened victim to withdraw cash and feed it into a Bitcoin ATM, from which it cannot be recovered. The FBI put reported national losses through the machines at nearly $250 million in 2024 — more than double the prior year, in the Indiana Executive Council on Cybersecurity's account — and at more than $333 million in 2025.

The warnings, then the answer: Indiana's official warning voice in the record reached is the state's own: the Indiana Executive Council on Cybersecurity's three-part explainer on Bitcoin ATMs, co-authored by Horizon Bank's senior vice president of technology, Joe Henrich, and STAR Bank's chief technology officer, Brian Avery, which teaches the scam's anatomy — urgency, fear and secrecy; demands for immediate action; unsolicited contact from supposed agencies — and directs victims to the state's cyber-incident reporting page and the Federal Trade Commission. No Mishawaka ordinance regulating crypto kiosks, and no Mishawaka police warning release about them, appears in the record reached for this section; the municipal layer documented elsewhere in Indiana — Evansville's 2025 ordinance regulating the machines, and Evansville police's account of some $400,000 lost by that city's residents to kiosk scams in 2025 — is Evansville's record and is not imported. Mishawaka's documented regulatory answer is the state's, and it was total.

Indiana ends them first: House Bill 1116 began in the 2026 session as a licensing regime — Representative Wendy McNamara of Evansville wrote it to impose licensing as a money transmitter, identity verification, transaction limits and fee caps — and on February 11, 2026 a Senate committee, on Senator Scott Baldwin's amendment, adopted 7–0, converted it into an outright prohibition on operating a virtual currency kiosk in Indiana, the committee advancing the amended bill 6–1, in the Indiana Capital Chronicle's account; Baldwin stated the ground in committee: the kiosks had, in his words, a strong propensity to be havens for money laundering and tax evasion, and law-enforcement and retiree witnesses testified to the machines' role in devastating scams. The bill passed; Governor Mike Braun signed House Enrolled Act 1116 on March 9, 2026; the ban took effect immediately, with no delayed compliance period; operating a kiosk in Indiana is a deceptive act actionable by the Attorney General under the Indiana Deceptive Consumer Sales Act, against the operator and against a premises owner who knowingly or intentionally permitted the violation, with forfeiture of the kiosk and its takings among the court's remedies. Indiana was the first state in the nation to ban the machines outright. The present state, verified as of November 2026, is therefore simple and dated: whatever directory listings survive online, operating a virtual currency kiosk in Mishawaka has been unlawful since March 9, 2026, and the city's crypto-ATM era — Coin Cloud on McKinley, LibertyX at the Kroger and the Casey's, the reload point at the CVS — is a closed era, ended not by the market but by statute.

Sources:

1. Crypto-ATM directory listings (Coin Cloud, LibertyX, Crypto Dispensers), as published before the ban — the Mishawaka addresses named above; directory evidence at the strength stated in the article.
2. Indiana Legislative Services Agency, fiscal note on House Bill 1116 (February 13, 2026) — an estimated 903 virtual currency kiosks in operation in Indiana as of January 2026; the bill, as amended, prohibits the operation of virtual currency kiosks, effective upon passage.
3. Indiana Capital Chronicle (February 11, 2026) — the Baldwin amendment converting licensing to a ban, the 7–0 amendment vote and 6–1 committee vote, and the testimony summarized.
4. House Enrolled Act 1116 (2026), signed by Governor Mike Braun on March 9, 2026, as analyzed in Legal 500 / Sheppard Mullin summaries (March 2026) — the prohibition, immediate effect, the Deceptive Consumer Sales Act enforcement, and liability of a knowing premises owner; Indiana the first state to ban the kiosks outright (ATM Marketplace, March 17, 2026).
5. Indiana Executive Council on Cybersecurity, “Bitcoin ATMs — Dark Side of Cryptocurrency” (in.gov, 2026) — Henrich (Horizon Bank) and Avery (Star Bank), the scam anatomy and reporting directions, the FBI's nearly $250 million 2024 loss figure; FBI IC3 figure of more than $333 million for 2025, as carried in the ban coverage.
6. City of Mishawaka ordinance record and Mishawaka Police releases, searched for this section — no local kiosk ordinance or warning release in the record reached.