Business Briefing 10-09-25

Here’s your North Dakota business briefing for October 9, 2025, across multiple sectors.

📋 State / Cross‑Sector Updates

Marketplace Facilitator & Remote Seller Tax Rules

What happened: North Dakota law continues to require marketplace facilitators to collect and remit state and local sales/use tax on marketplace sales into ND if they exceed $100,000 in taxable sales (or have physical nexus) tax.nd.gov+1
Why it matters: E‑commerce sellers using platforms like Amazon, Etsy, eBay may no longer need to separately collect ND sales tax if the facilitator handles it—but they must monitor thresholds and certification status.
Who is affected: Online marketplace sellers (third‑party, small merchants), the platforms (facilitators), tax compliance firms.
Note: A marketplace facilitator reaching the threshold must register and begin collection within 60 days or January 1, whichever is earlier for that year. tax.nd.gov

New ND Data Security and Breach Notification Law for Financial Entities

What happened: Following the passage of HB 1127, as of August 1, 2025, financial corporations in ND must adopt data security programs and report breaches affecting 500+ individuals. National Law Review+2National Law Review+2
Why it matters: Firms must ensure compliance or risk fines, reputation damage, or liability. The rule mirrors GLBA‐style obligations.
Who is affected: Banks, credit unions, fintech firms, payment service providers operating in ND.

Bank of North Dakota Plans Stablecoin (“Roughrider Coin”)

What happened: The Bank of North Dakota is developing a state‑backed stablecoin, with pilot testing among ND banks and credit unions expected in 2026. North Dakota Monitor
Why it matters: This is a potentially novel digital payment infrastructure for ND commerce and finance—could affect how businesses accept digital payments.
Who is affected: Financial institutions, fintechs, merchants considering digital/crypto payments.

ND Federal Court Vacates Regulation II (Interchange Fee Rule)

What happened: A U.S. district court in ND struck down Reg II (which capped and structured card interchange fees), finding it exceeded the Fed’s authority. ABA Banking Journal
Why it matters: Credit card processing costs and disputes could change, benefiting merchants who felt overcharged under prior rules.
Who is affected: Retailers, e‑commerce businesses, payment processors, banking institutions accepting card payments.

Medicaid Plan Changes: Community Health Workers, Paramedics, Rural Emergency Hospitals

What happened: Effective Oct 1, 2025, ND Medicaid will cover community health workers and community paramedics; and from Dec 1, 2025 will reimburse rural emergency hospitals. Health and Human Services North Dakota
Why it matters: More reimbursement options and coverage may support rural and community health service expansion.
Who is affected: Clinics, hospitals, paramedic services, community health organizations, especially in rural areas.

ACA Premium Tax Credits / Insurance Market Uncertainty

What happened: The ND Insurance Commissioner urged Congress to extend ACA premium tax credits, as many ND residents and small employers rely on them. Insurance News | InsuranceNewsNet
Why it matters: If credits lapse, health insurance costs could rise sharply for individuals and small business owners.
Who is affected: Employees, small business owners, farms, gig workers purchasing marketplace insurance.

No major new education‑specific rule changes surfaced today.
Tip: Monitor state education board, ND Department of Public Instruction, and higher ed announcements for grants, funding changes, or licensing shifts.

I found no new local ordinance changes or home‑occupation zoning updates in the last 24 hours.
Tip: Developers and home‑based business owners should keep an eye on planning commission agendas in their cities and counties.

Marketplaces law (above) is relevant for small retailers selling online.
Payment cost changes from the vacating of Reg II could influence merchant margins.

No new agriculture regulation or subsidy announcements found today — input costs remain a pressure but no new program detected.

No newly published state energy or utility disruptions or regulatory changes today.
Tip: Watch state energy commission or PUC announcements for rate changes or infrastructure projects.

Stablecoin development (above) could influence nonprofit finance/donations.
Data security law may affect nonprofit financial arms or service contracts with financial entities.

Want to see more or less of anything requires your input. Let us know what you think in the comments!