I'm English and am unfamiliar with the restrictions you speak of. I assume some state bs. Can I say say that lesson 1) Bitcoin is permission less.
So, I will make another guess that you are using a CUSTODIAL lightning wallet. Lesson 2) Don't trust, verify.
So you need a non custodial wallet. As you're in NY, and because it is good, try
ZEUS. It can provide LSP and you will be in control of your btc.
Good luck