[Congressional Bills 109th Congress]
[From the U.S. Government Publishing Office]
[H.R. 1716 Introduced in House (IH)]






109th CONGRESS
  1st Session
                                H. R. 1716

 To amend the Electronic Fund Transfer Act to prohibit any operator of 
  an automated teller machine that displays any paid advertising from 
  imposing any fee on a consumer for the use of that machine, and for 
                            other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                             April 20, 2005

 Mr. Andrews introduced the following bill; which was referred to the 
                    Committee on Financial Services

_______________________________________________________________________

                                 A BILL


 
 To amend the Electronic Fund Transfer Act to prohibit any operator of 
  an automated teller machine that displays any paid advertising from 
  imposing any fee on a consumer for the use of that machine, and for 
                            other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Access to Money (ATM) Act of 2005''.

SEC. 2. PROHIBITION ON USER FEES FOR AUTOMATED TELLER MACHINES THAT 
              CARRY PAID ADVERTISING .

    The Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.) is 
amended--
            (2) by redesignating sections 918, 919, 920, and 921 as 
        sections 919, 920, 921, and 922, respectively; and
            (3) by inserting after section 917 the following new 
        section:

``SEC. 918. FEES.

    ``(a) In General.--If an automated teller machine or other cash 
dispensing machine at which a consumer may initiate an electronic fund 
transfer displays any advertising on the screen of such machine, 
whether in the form of a banner or a trailer or in any other format, 
for which the operator of such machine has received any payment or 
other financial benefit, no fee may be imposed on the consumer with 
respect to such transaction by the operator of such machine, whether or 
not the consumer maintains an account with the operator.
    ``(b) Exception for Direct Advertising by the Operator and Public 
Service Announcements.--Subsection (a) shall not apply with respect 
to--
            ``(1) advertising relating to products or services provided 
        by the operator of an automated teller machine or cash 
        dispensing machine referred to in such subsection or by any 
        affiliate of such operator; or
            ``(2) any public service announcement.''.
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