Coinbase added a new section of Connecticut-specific disclosures to their User Agreement on March 20, 2026, detailing risks associated with virtual currency. The added language includes warnings that virtual currency is not government-backed or insured, transactions are irreversible, prices are volatile and may result in total loss, and describes common fraud schemes. The update also adds a formal complaint submission process through the Coinbase help portal.
The updated terms add explicit disclosures specific to Connecticut users regarding virtual currency risks, including statements that virtual currency is not government-insured, transactions are irreversible, prices are highly volatile and may result in permanent loss, and bonds held by Coinbase may not cover all customer losses. The agreement also describes common fraud schemes targeting cryptocurrency users. Additionally, the terms now include a formal complaint submission process accessible through the Coinbase help portal for users with unresolved complaints about money transmission activity.
The updated terms establish explicit regulatory disclosures required for Coinbase to operate as a licensed money transmitter in Connecticut. The additions inform Connecticut users about inherent virtual currency risks, including lack of government insurance and price volatility, and create a formal complaint mechanism tied to state oversight. This change reflects compliance with Connecticut's money transmitter licensing requirements rather than a change in Coinbase's underlying practices or consumer protections.
→ Review the new Connecticut-specific risk disclosures if you reside in Connecticut and hold a Coinbase account.
→ Familiarize yourself with the formal complaint process available through https://help.coinbase.com/en/contact-us/submit-a-complaint if you have unresolved issues with your account.
→ Connecticut users may not be fully informed of virtual currency risks including price volatility and irreversibility of transactions.
→ Users with unresolved complaints may be unaware of the formal submission process available through Coinbase's help portal.
Agreement now includes specific warnings that virtual currency lacks government insurance, transactions are irreversible, and prices may result in permanent total loss.
Agreement describes common fraud schemes targeting cryptocurrency users, including impersonation and threats.
Connecticut users can now submit unresolved complaints about money transmission activity through a dedicated online portal.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Users are told that their virtual currency accounts have no federal insurance protection, unlike bank accounts.
Users are warned that once a virtual currency transaction is recorded, it cannot be undone, and are told about common fraud tactics.
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Track changes →Coinbase updated its User Agreement on March 20, 2026 to add Connecticut-specific regulatory disclosures required for virtual currency money transmission activity. The additions include standardized risk warnings, clarification that virtual currency lacks federal insurance protection, and a formal complaint mechanism. This change reflects compliance with state money transmitter licensing requirements, which typically mandate specific disclosures about virtual currency risks and consumer complaint procedures. Connecticut's money transmitter regulations require these warnings as a condition of licensure.
Connecticut money transmitter regulations (Conn. Gen. Stat. Section 36a-596 et seq.), which mandate specific disclosures for virtual currency transmission services, including risk warnings and complaint procedures.
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