cannabis & hemp regulation news on the topic of:

Banking & Payments

Analysis

Medical vs. Recreational Cannabis After Rescheduling: The Two-Tier Federal Market

The April 2026 order created a two-tier federal cannabis market — Schedule III for medical, Schedule I for recreational. Here is what it means and what comes next.

Guide

Hemp & Cannabis Payments 2026: Credit Cards, ACH, Banking & Workarounds for Operators

How cannabis and hemp operators handle credit cards, ACH, banking, and payment workarounds in 2026 amid persistent federal restrictions on financial services.

Analysis

Federal Cannabis Rescheduling in 2026: Compliance Actions Operators Should Take Before the Rules Are Final

Executive Order 14370, signed December 18, 2025, directs the Attorney General to expedite federal cannabis rescheduling from Schedule I to Schedule III.

Analysis

Schedule III and Cannabis Banking: What Rescheduling Actually Changes for Payments, Lending, and Listings

Schedule III rescheduling removes Schedule I criminal risk but does not automatically unlock cannabis banking, payments, lending, or public listings in 2026.

Guide

Trump's Rescheduling Executive Order: A Schedule III Operational Readiness Checklist

Executive Order 14370, signed December 18, 2025, requires cannabis operators to build a Schedule III operational readiness checklist before DEA rules finalize.

Guide

SAFE-R Banking in Practice: AML Program Design for Hemp-THC Operators in 2026

Hemp-THC operators in 2026 need AML programs documenting licensing posture, product profile, lab controls, ownership, and geography to retain banking access.

Guide

Financial Crime Red Flags in Cannabis Wholesale: Practical SAR Escalation Rules

Cannabis wholesale SAR escalation rules should translate FinCEN red flags into observable scenarios like cash-to-wire mismatches for frontline review teams.

Guide

Chargebacks, Friendly Fraud, and High-Risk MCCs: Payments Compliance for Hemp DTC

Hemp DTC brands can stabilize processing relationships by treating chargebacks, friendly fraud, and high-risk MCC controls as a payments compliance system.

Guide

Raising Capital for Hemp‑THC Brands in 2025: Reg CF/Reg A, Ad Rules, and Payments Landmines

Hemp-THC fundraising via Reg CF and Reg A in 2025 must align SEC securities rules, FTC ad oversight, and payments and banking risk controls together.

Guide

Platform Compliance for Hemp‑THC E‑Commerce: Shopify, BigCommerce, and WooCommerce Rules in 2025

Hemp-THC e-commerce on Shopify, BigCommerce, and WooCommerce in 2025 must align Farm Bill compliance with FDA, FTC, card-network, and carrier acceptable use.

Guide

From Ads to Chargebacks: Building a 2025–2026 Compliance Stack for THC Beverage Subscriptions (SMS + ACH + Click‑to‑Cancel)

THC beverage subscription compliance in 2025-2026 must align SMS, ACH, and click-to-cancel rules with carrier, payment-network, and federal consumer standards.

Analysis

ACH Under the Microscope: Nacha’s 2025–2026 Fraud Rules for Hemp/THC E‑Commerce

Nacha's 2025-2026 fraud rules add ACH risk-monitoring duties for hemp and THC e-commerce merchants leaning on account-to-account payments as cards tighten.

Guide

PCI DSS 4.0 by March 31, 2025: A Checkout Security Playbook for Hemp and THC Drink Sites

PCI DSS 4.0 controls become mandatory March 31, 2025, requiring hemp and THC drink checkout pages to harden scripts, CSP, and third-party oversight.

Guide

PCI DSS 4.0.1 for Cannabis/Hemp E‑Commerce: What Must Be Live After March 31, 2025

PCI DSS 4.0.1 ends its transition March 31, 2025, making once-optional controls mandatory for U.S. cannabis and hemp e-commerce and marketplace facilitators.

Guide

Form 8300 in the Hemp Era: Cash Transaction Reporting Risks for CBD and THC‑Drink Retailers in 2025

Hemp CBD and THC drink retailers handling over 10,000 dollars cash in 2025 must file IRS Form 8300 under Section 6050I, exposing pop-ups to audits.

News

FinCEN's 2025 BOI Reversal: What Cannabis and Hemp Businesses Must Change in KYC and Owner Disclosures

FinCEN's March 26, 2025 interim final rule scrapped Corporate Transparency Act BOI filing for U.S. entities, shifting cannabis and hemp KYC duties onto banks.

Analysis

Visa and Mastercard 2025: Card‑Network Rules for Hemp‑Derived THC and CBD—Chargebacks, MCCs, and Age‑Gating

Visa and Mastercard's 2025 card-network rules for hemp-derived THC and CBD reshape chargeback risk, MCC coding, and onboarding for online retailers.

Analysis

Schedule III, 280E Relief, and the Limits of Rescheduling: A 2025 Compliance Playbook

Cannabis rescheduling to Schedule III remains unresolved in 2025, with limits on 280E relief, banking, and interstate commerce shaping the playbook.

Guide

Banking Catch‑Up for Cannabis and Hemp: The 2025 SAFER Push and What Compliance Teams Should Prepare

With SAFER Banking stalled in September 2025, cannabis and hemp operators still rely on a narrow set of banks and must layer rigorous onboarding compliance.

Analysis

Schedule III, Then What? Rescheduling’s Hidden Compliance Ripple Effects in 2025–2026

Federal cannabis rescheduling to Schedule III would end IRC 280E and open research pathways, but state licensing and many federal controls stay in place.

Analysis

Major Cannabis Regulation Changes in 2025: Compliance, Licensing, and Enforcement Updates

2025 brings federal cannabis rescheduling momentum toward Schedule III, banking reform pressure, new state licensing windows, and tougher enforcement focus.

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