In 2026 the U.S. cannabis industry will grapple with evolving banking and payments challenges, lingering barriers to major bank access, and rising compliance demands. Federal changes may redefine “intoxicating hemp,” tightening which cannabinoids are legal. Licensed businesses also face illicit-market competition, compliance costs, advertising restrictions, limits on federal trademarks, and increasing data privacy and cybersecurity obligations — all amid tightening public-health–driven regulation. Adaptability will be essential.

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