State of Regulation 2017, Bitcoin and Blockchain Regulation in the United States | dinbits


The regulatory landscape in the United States for virtual currency and blockchain technology is more defined than ever in 2017. As of January 1st, 2017 there are now 13 states with clearly defined positions and/or regulations in regards to the blockchain and digital currency industry.

Almost all others remain a grey area with the exception of South Carolina and Montana, both of which have no Money Transmission laws. New Mexico is no longer in that category and in fact introduce regulation effective January 1st, 2017 restricting the activity engaged with virtual currency.

There's 15 states total (some grey areas of concern) to be aware of, 5 of which are good and 10 that are not. The other 37 state/territories are grey areas currently. In a nutshell, New York, New Hampshire, Connecticut, Hawaii, Georgia, North Carolina, Washington, and New Mexico have regulations not favorable to virtual currency and should be avoided or addressed.

Joe Ciccolo, President of regulatory compliance firm BitAML based in Illinois spoke² with dinbits.com and provided some professional thoughts on the 2017 landscape.


"For 2017, I'm anticipating that we will see bitcoin exchanges and trading platforms continue to compel bitcoin traders to implement AML/KYC, a phenomenon that appeared to ramp up in the second half of 2016. " - Joe Ciccolo, BitAML.

Here's how they stack up from best to worst and some additional information on corporate formation for small businesses looking to incorporate in one of these states.

Check out our interactive regulatory landscape map for the united states.

United States Regulation Map (interactive) 

 Bitcoin Friendly 

The following states have either no money transmission laws or have bitoin friendly guidance and/or regulation. Note this is only on the state level, most of the following states either recommend or require federal registration for operating within their juridiction or transacting with their residence.

1. Texas 

Texas remains at the top of the list as the best place for virtual currency given it's bitcoin-friendly laws, popularity in the state, and sheer size (about 28 million, 2nd in the United States) and economy (putting that into perspective, Texas would be the 11th largest economy in the world if it were a country). Texas was the first state to release an official position on bitcoin with Memorandum 1037 stating no money transmitters license is required to sell bitcoin. Bitcoin companies that reside in Texas can even run a custodial exchange without a money transmitters license (a license is required for custodial services outside of Texas). 

2. Kansas 

Kansas is second and would be tied with Tennessee however they were in place first and modeled their guidance after Texas (in fact they thank Texas in their publication) and they are very similar to Texas. An outside entity might look at Kansas or Tennessee over Texas due to the lower cost of entity organization. Kansas Limited Liability Companies ("LLC")'s can be organized for $160 in state fees. That's less than half of what is costs to form in Texas which is over $300 and one of the highest state fees in the country. The down side is that Kansas has barely 3 million people residing within its jurisdiction.

3. Tennessee 

Like Texas and Kansas, Tennessee has a very similar position on bitcoin and virtual currency in general but has an quite an edge on Kansas with the 16th largest populous at 6.6 million. Tennessee is almost as expensive as Texas in legal entity organization with a minimum of $300 for filing an LLC which includes up to 6 members and $50 per member thereafter capping at $3000. With 7 or more member organizing an LLC, Tennessee would be more expensive than Texas and just about any other state. 

4. South Carolina

South Carolina has no money transmission laws nor bitcoin regulation. It's all out for bitcoin in this state and with nearly 5 million residents and state fees of $110 to organize an LLC, South Carolina is a contender for any bitcoin business. Companies may want to steer clear of SC however, in June of 2017 the states money transmission laws go into effect (New Mexico went into effectiveness on Han 1st) which will cover virtual currency. However, for the next 6 months, this is still a spot to operate.

5. Montana

Like South Carolina, Montana has no money transmission or bitcoin regulations restricting activity. An LLC can be organized for only $60 as well. However, Montana has only 1 million people residing in the entire state leaving little room for local transactions in bitcoin.

 Bitcoin Unfriendly

The following states are unfriendly, but with the exception of North Carolina, the rest can be operating in and to with caution and under certain conditions, at least for now. North Carolina has specific rules and either way you'll need at least federal paperwork to comply.

6. Wisconsin 

Wisconsin's only guidance is that they take no position. However, they do refuse to issue a money transmitters license to any company that desires one and will require an agreement if a company deals in virtual currency stating that they will not use virtual currency to transmit money. Both CoinX and Circle financial have agreements in place with Wisconsin.

7. North Carolina 

Unlike its neighboring South Carolina, North Carolina has money transmission laws and laws restricting the transacting of virtual currency. These are mainly geared towards custodial services where consumers value is at risk. Bitcoin sellers and peer-to-peer ("P2P") traders are allowed to operate so long as they are registered federally with the Financial Crimes Enforcement Network ("FinCEN"), something the friendly states above also required or recommend.

Due to North Carolina's realistic regulation for P2P traders and small business requiring they only satisfy the federal requirements, North Carolina avoids a hostile perspective for some small companies and individuals. For others, they may argue this state should be on the hostile list.

8. California 

California is currently a grey area state when it comes to bitcoin regulations, however, they have tried to regulate it and are trying again. It's only a matter of time before the largest state economy is a bitcoin hostile state. High costs of entity organization and high taxation makes California lack appeal for a bitcoin business. California sent a cease-and-desist letter to the bitcoin foundation a few years ago and also called out Coinbase stating that they were not regulated in California. Perhaps not completely hostile yet, but it's coming and they certainly are not bitcoin friendly.


"California will all but certainly move forward with its "BitLicense Lite", namely AB 1326, undoubtedly under massive industry protest. Conversely, look for Illinois to adopt bitcoin-friendly regulation." - Joe Ciccolo, BitAML.

9. Pennsylvania 

Much like New Hampshire, Pennsylvania has a bill proposed that will make bitcoin and other virtual currencies monetary value and thus require a money transmitters license to sell. 

10. Florida

Florida regulators are currently tightening up regulation and has made several arrests including two prosecutions, one of which resulted is nothing more than community service, however, due to that very case Florida has begun further regulating virtual currency and we can expect a bill soon. That said, Florida still remains a grey area currently and if carefully executed, a business model can fit into the current framework without a license.

 Bitcoin Hostile

The following states, and North Carolina for some business models, should be avoided in 2017 without a money transmitters license or explicit permission in writing from the state. States require a money transmitting license or virtual currency license (New York) to conduct transactions with its residence or businesses. These licenses are expensive and intrusive and why most just left New York when the BitcLicense happened. We saw this again in New Hampshire in 2016 and we may see this in other states in 2017 since the list has grown from 3 to 6 to avoid.

Also note, even in grey area states and states where bitcoin does not require a money transmitting license, with the exception of South Carolina and Montana, you still must contact the state before operating within its jurisdiction or transacting with its residence.


11. Hawaii 

Hawaii has no official regulation on bitcoin but have made it very clear that they consider transacting bitcoin money transmission and that any business selling bitcoin to its residence needs to contact them or obtain a money transmitters license. Bitcoin is also illegal in Hawaii as tender making it the most hostile environment for bitcoin next to New Hampshire.

12. New Mexico 

New Mexico was like South Carolina and Montana. The key word being was. Today's New Mexico not only requires a money transmitters license to transmit money, it requires a money transmitters license to deal with bitcoin and other virtual currency. The new regulation effecting bitcoin went into effect on January 1st, 2017.

13. Connecticut 

Connecticut's new regulation prohibits selling bitcoin or storing bitcoin for others without a license and the bond will be set by the banking commissioner on a case-by-case basis with no clear understanding of how that is going to be calculated. This is a page out of New York's BitLicense book with its bond set after you pay the non-refundable $5000 USD. This is very Accenture-like where they quote a project based on how much money they think they can squeeze out of a company.


14. Georgia  

Georgia, a very popular bitcoin state now requires both sellers and custodians to now obtain a money transmitter license to conduct any bitcoin activity. Georgia House Bill No. 811 amended Code Section 7-1-680 adding“Virtual Currency”. It also revised Code Section 7-1-690, authorizing the Department of Banking and Finance “to enact rules and regulations that apply to persons engaged in money transmission or the sale of payment instruments involving virtual currency.

15. Washington  

In Washington, digital currency is included in the definition of "Money Transmission" in the Uniform Money Services Act (UMSA), chapter 19.230 RCW¹:

"Money transmission" means receiving money or its equivalent value to transmit, deliver, or instruct to be delivered the money or its equivalent value to another location, inside or outside the United States, by any means including but not limited to by wire, facsimile, or electronic transfer. "Money transmission" does not include the provision solely of connection services to the internet, telecommunications services, or network access. "Money transmission" includes selling, issuing, or acting as an intermediary for open loop stored value and payment instruments, but not closed loop stored value."

16. New York  

No who on earth can forget the BitLicense fiasco which cause both an Exodus and spawned one of our most popular Top 10 lists. The Top 10 most ridiculous "gotchas" in the BitLicense Application.

There's even this T-Shirt (exclusively on Purse.io)

On June 3rd, 2015, the New York Department of Financial Services issued its final virtual currency license  rule after nearly two years of debate and feedback. August 8th, 2015 ended the 45 day grace period allotted for operations related to transactions involving any form of digital currency to operate without a license.

It wasn't a complete fail. It is better than a full blown money transmitters license in New York. There is that small ray of sunshine.

17. New Hampshire 

Possibly the most hostile state towards bitcoin is New Hampshire. This is amplified given the large bitcoin community in the free state. Regulators slipped virtual currency in under the definition of monetary value and nobody noticed until dinbits.com pointed it out in December of 2015. Despite that whistle, many others didn't notice until Poloniex pulled out of New Hampshire and the mainstream media didn't catch wind of it until September of 2016. In October 2016, New Hampshire held a meeting to discuss bitcoin regulation and dedicated resources to discovery of the necessity of the current regulation which requires a full blown money transmitters license. For now however, New Hampshire remains hostile territory in 2017. 

Growing List 

The list of states to avoid has grown from 3 in 2016 (New York, New Hampshire, and Washington) to 7 in 2017 as of January 1st.

"The battle of public perception will continue to be a struggle throughout 2017, especially if there any regulatory enforcement actions, data breaches, or high-profile legal matters involving bitcoin companies. As members of the bitcoin community, we would be well-advised to tout the absence of consumer complaints directed toward bitcoin financial services providers, among other positives." Joe Ciccolo, BitAML.

Regulation isn't a terrible thing, there is a valid case for anti-money laundering and basic KYC compliance is useful for risk prevention as well. However some states are going to far and requiring companies to duplicate effort they already do on a federal level as with the New York BitLicense or requiring a full-blown money transmitting license to simply sell a damn bitcoin as with New Hampshire. 

Custodial accounts can be understood somewhat given the consumer protection related to storing other peoples money but simply selling a bitcoin from person a to person b should not be considered money transmission. This has been argued with FinCEN to no avail and they insist that it is money transmission since the intent of the other person (the buying party) is the key and unless it's a family member living under your roof where you can watch how they specifically spend that bitcoin, it's nearly impossible to prove the intent. 

The sad thing about the federal law is that it's both broad and strict. It's written so that it can be easily twisted to fit just about any circumstance but what's worse is that if the buyer does something illegal with the bitcoin that constitutes money transmission, you're guilty even if you didn't know about it. That's not what most would consider exactly fair. 

The more pressing issue is that the above 7 states inadvertently put federal law into affect and violating any state money transmission laws becomes a federal offense on top of any state offenses. The federal penalty, which can include up to 5 years in prison, is a major hit to the pocketbook as well. Just ask Ripple, they were fined $750,000 last year or John D. Powell who started service a 4 year prison sentence last year for selling bitcoin via Localbitcoins in Illinois.

Apparently, fair doesn't matter in this space so companies must either pony up the cash or avoid these states instead of trying to fly under the radar. Louisiana, Florida, New York, and several other states saw prosecutions and arrests last year in regards to this very activity, so why take a chance.

There's many efforts from firms like xbtBase, who is rallying state regulators to lighten up on specific business models, BitAML who has publicly stated banks need to loosen their risk assessments on bitcoin MSB's (Money Services Businesses), Coincenter a non-profit aimed at educating federal regulators and encouraging them to avoid passing innovation killing regulation, and of course here at dinbits.com we've blown the whistle on sneaky regulators and try to keep folks informed the best we can as do other media outlets.

However, these efforts are ongoing and have produced little relief to date, so either avoid the above states ... or move somewhere else ... that's really the only two safe options at this point. 



Report by dinbits
Image by dinbits.com staff
1. Quoted from Washington Guidance
2. Special thanks to Joe Ciccolo, BitAML, for the contributions to this article.


The opinions expressed by authors of articles linked, referenced, or published on dinbits.com do not necessarily express, nor are endorsed by, the opinions the of dinbits.com or its affiliates.


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  20. PACIFIC LOAN LENDER
    ===============================
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    ReplyDelete
  21. PACIFIC LOAN LENDER
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN LENDER is the best solution.
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    DO YOU NEED A LOAN TO PAY BILL?
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    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
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    ======================
    If you are having any stress in obtaining a loan from your local
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    PREFIX {MR.,MRS.,MS.,DR.,etc.}
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    5)PHONE NUMBER...................
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    If you are interested and you want to obtain a loan from
    PACIFIC LOAN LENDER, kindly fill the application
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    THANKS AND REGARDS

    ReplyDelete
  22. PACIFIC LOAN LENDER
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN LENDER is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
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    DO YOU NEED A LOAN TO PAY BILL?
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    If you are faced with stress in the acquisition of a loan that make
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    ======================
    If you are having any stress in obtaining a loan from your local
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    PREFIX {MR.,MRS.,MS.,DR.,etc.}
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    5)PHONE NUMBER...................
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    ReplyDelete
  23. PACIFIC LOAN LENDER
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
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    PACIFIC LOAN LENDER is the best solution.
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    If you are faced with stress in the acquisition of a loan that make
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    ======================
    If you are having any stress in obtaining a loan from your local
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    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
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    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
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    ReplyDelete
  24. PACIFIC LOAN LENDER
    ===============================
    This is a Christian Organization formed to help people in need of
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    PACIFIC LOAN LENDER is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
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    DO YOU NEED A LOAN TO PAY BILL?
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    If you are faced with stress in the acquisition of a loan that make
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    ======================
    If you are having any stress in obtaining a loan from your local
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    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
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    ReplyDelete
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    ReplyDelete
  26. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
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    ReplyDelete
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  28. BEWARE MANY OF THESE POST ON HOW TO JOIN ILLUMINATI, THEY ARE NOT REAL,I WAS SCAM TWICE TRYING TO JOIN ILLUMINATI. THEY PROMISE ME MONEY, CAR AND HOUSE BUT IT WAS ALL SCAM I LOST OVER $3500 UNTIL A FRIEND OF MINE FROM TEXAS DIRECT ME TO THE REAL AGENT WERE I FINALLY BECOME ILLUMINATI MEMBER AND $500,000.00 USD WAS GIVEN TO ME AS A NEW MEMBER,PLEASE BEWARE OF SO MANY POST IF YOU WANT TO BE RICH AND FAMOUS THEN CONTACT THE REAL AGENT JOHN ADD UP WHAT'S APP NUMBER +2349054352613 OR email at illuminatiworldeyes666@gmail.com

    ReplyDelete
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  31. Do you need a Personal/Business loan without stress and quick approval today? email: lucasloanlendingcompania@yahoo.com, website: lucasloanlendingcompania.webs.com

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  35. CONTACT MR Bernard Jones call (+2347060507634 or WhatsApp him through this number +2348115204568 or email:illuminatiworldofsociety1@gmail.comHello everyone I am mr charles adamson from liberia, I am giving a testimony on how I joined the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria,I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all invail, I was afraid to contact any illuminati agent because they have eat my money,One day I across a post of someone giving a testimony, thanking a man called paul smith of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my 200,000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Bernard Jones and he told me everything to do, and I was initiated, surprisely I was given my benefit of being a new member of the great illuminati brotherhood I was so happy,For those of you trying to join this organization this is your opportunity for you to join CONTACT MR paul smith call (+2347060507634 or WhatsApp him +2348115204568 or email:illuminatiworldofsociety1@gmail.com

    ReplyDelete
  36. Hi, My name is CLINTON BARKLEY and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called MAX . he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.. Four days later I received my card and tried with the closest ATM machine close to me, to my greatest surprise It worked like magic. I was able to withdraw up to $3000 . This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $48000 without any stress of being caught. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate because it have been programmed with various tools and software. it also has a technique that makes it impossible for the CCTV to detect you i don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life.
    they also offers services like hacking institutions and universities to alter grades and results. If you want to contact them, Here is the email address (atmcardservice43@gmail.com) And I believe they will also Change your Life.

    ReplyDelete
  37. Am Lisa by name, i was diagnosed with Herpes for 3years ago i lived in pain with the knowledge that i wasn't going to ever be well again i contacted so many herbal doctors on this issue and wasted a large sum of money but my condition never got better i was determined to get my life back so one day i saw mr Brown post on how Dr Aba saved him from the VIRUS with herbal medicine i contacted Dr Aba on his email address dr.abaherbalhome@gmail.com we spoke on the issue i told him all that i went through and he told me not to worry that everything will be fine again so he prepared the medicine and send it to me through courier service and told me how to use it,after 14days of usage I went to see the doctor for test ,then the result was negative,am the happiest woman on earth now. this testimony is real.thanks to Dr Aba God bless you. you can also reach him on his whatsApp number +2348107155060

    ReplyDelete
  38. PLEASE READ!!!

    Celebrate this season with joy and gladness in your heart, Do you know that you can hack any ATM machine? this is a Life Time transformation I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts.Until now i discovered a hacking lady called Maxime Whyte. Am so happy I got mine from Maxime Whyte, My blank ATM card can withdraw $4,000 daily. I got it from Her last week and now I have $48,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Maxime Whyte because i met two people before her and they took my money not knowing that they were scams. But am happy now. Maxime Whyte sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammers pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught.im grateful to Maxime Whyte because she changed my story all of a sudden . The card works in all countries, Maxime Whyte email address is (atmcardservice41@gmail.com)

    ReplyDelete
  39. Hello there We are professional carding team with a large rang around the globe we sell blank ATM cards which has been specially programmed to withdraw free cash from any ATM machine worldwide it may sound crazy but it is true, with our newly designed super intelligent blank atm card you can withdraw free cash from any ATM Machine worldwide we have hacked the sum of one million dollars into each of our cards using the track 1 and track 2 data retrievers. we sell the original cards with documents to validate our transactions we guarantee the security of our customers while using this card as the card has been programmed to by pass all security protocols thereby making it 100% safe to use. We deliver this cards to all our customers and interested buyers worldwide and it has changed the life of many people including me and the payment for the card comes after the card has been delivered to you and you have tested it and confirmed that it is working,we have various cards and various prices for them and the cards has various daily withdrawal limits, bellow is our price lists and the daily withdrawal limits for the BLANK ATM CARDS;

    limit of $1000 perday cost $150
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    ReplyDelete
  40. Hello Everyone ready this great testimony of how God have out a smile on my face, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed me and my family's life from grass to grace from being poor to a rich and successful woman who can now boast of a healthy and wealthy life without stress or financial difficulties. i am a business woman from Ohio state USA i was l stranded and i was having no money for business any more because i was facing difficulties in life and i was looking for a loan desperately after so many months trying to get a loan on the internet to refinance my business and i was scammed the sum of $15.930.00 USD from 4 different companies and i became so desperate in getting a loan from a legit loan lender online who will not add to my pains then i decided ti contact a friend who just got a loan online, we discussed the issue and to our conclusion she told me of how she got a loan from a legit company owned by a woman called Petra Hoffmann who is the C.E.O of White Horse Credit, so i decided to applied for a small loan amount of $20,000.00 for start with a low interest rate of 3% and the loan was approved easily without no stress and all the preparation where made and the loan where transferred to my account in not less than 48 Hours the loan was deposited into my bank and and after the loan repayment i applied again for another loan amount of $450,000.00 for my investment the reason why i am shearing this testimony is for this who are in need of money and want to borrow from a real lender if you have been scammed enough is enough this is the time to rejoice, you can contact her on her email, so i want to advice any one in need of a loan to quickly contact her via (legitfirm@gmail.com)or call/text +1-(336) 365-3262, she does not know am doing this i pray that God will bless her for the good thing she has done in my life and the life of my family.

    ReplyDelete
  41. God bless Dr. Bello for his marvelous work in my life, I was diagnosed of HIV since 2015 and I was taking my medications, I wasn’t satisfied i needed to get the HIV out of my system, I searched about some possible cure for HIV, i saw a comment about Dr. Bello, how he cured HIV, HERPES DIABETES and CANCER with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my healing, he sent me the medicine through UPS SPEED POST. I took the medicine as prescribed by and 8 days later i was cured from HIV, Dr. Bello truly you are great, do you need his help also? Why don’t you contact him through bellospelltemple@gmail.com or whatsApp him on +2348147271779

    ReplyDelete
  42. WELCOME TO THE GREAT TEMPLE OF ILLUMINATI WORLD OF RICHIES, FAME AND POWERS. ARE YOU A POLITICIANS, DOCTOR, ENGINEER, MODEL,
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  43. HELLO OUT THERE.. i quickly want to use this opportunity to explain to you how useful its to pay attention to any articles that come across your way in life, long time ago i was told by my doctor that There is currently no cure for Herpes Simplex virus. i learnt that Most treatment on herpes focuses on getting rid of sores and limiting outbreaks was made from herbs. It is possible that your sores will disappear without treatment. However, your doctor may determine that you need one or more of the following medications:
    acyclovir
    famciclovir
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    These medications may come in oral (pill) form, or may be applied as a cream. For severe outbreaks, these medications may also be administered by injection. However, there are herbal therapies that could totally eradicate this virus from the body meanwhile there has been proofs and lots of testimonies to that effect. I took my time to investigate one Dr. Odoma on how his herbs magically cured my friend Anthony and his Wife who contacted this embarrassing virus. Please do reach out to Dr. odoma via his email: odomaspelltemple@outlook.com You can also reach me with +1 251-287-3241 for further confirmations

    ReplyDelete
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