Financial Institutions - Digital Assets and Digital Asset Staking - Regulation (Maryland Financial Innovation Act of 2026)

SB 759 prohibits Maryland state agencies and local governments from restricting certain digital asset activities, including accepting digital assets as payment, using self-hosted or hardware wallets, operating blockchain nodes, or participating in digital asset staking. It clarifies that "staking as a service" (where providers operate nodes for users) is exempt from Maryland's securities registration requirements under the Maryland Securities Act. The bill does not affect existing regulations for money transmission or consumer protection enforcement. This law directly impacts digital asset users, service providers, and financial institutions operating within Maryland.