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HR 3221 104th Congress House

Electronic Fund Transfer Fees Act of 1996

Official title: To amend the Electronic Fund Transfer Act to prohibit the imposition of certain additional fees on consumers in connection with any electronic fund transfer wh… Show full official titleShow less

Official title: To amend the Electronic Fund Transfer Act to prohibit the imposition of certain additional fees on consumers in connection with any electronic fund transfer which is initiated by the consumer from an electronic terminal operated by a person other than the financial institution holding the consumer's account and which utilizes a national or regional communication network.

Introduced: September 11, 1996 Introduced by: Sanders, Bernard Independent · Vermont See on congress.gov
Finance and Financial Sector Automated teller machinesCommerceComputer networksElectronic funds transfers
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FeesScience, Technology, CommunicationsUser charges
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This bill died when the 104th Congress ended
It never became law before the 104th Congress (1995–1996) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 4, 1996
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Mar 29, 1996
Referred to the House Committee on Banking and Financial Services. period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Mar 29, 1996
Introduced in House
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 Latest action April 4, 1996

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Electronic Fund Transfer Fees Act of 1996 - Amends the Electronic Fund Transfer Act to prohibit the operator of the electronic terminal at which an electronic fund transfer is initiated from imposing a fee upon any such electronic fund transfer which: (1) is initiated by a consumer from an electronic terminal operated by a person other than the financial institution holding such consumer's account; and (2) utilizes a national or regional communication network to execute the transaction between such person and the financial institution holding such consumer's account.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 5
All 5 Democratic 4
D
Fields, Cleo
Louisiana · Sep 11, 1996
 D
Velázquez, Nydia M.
New York · Sep 11, 1996
LIPINSKI, WILLIAM
· May 15, 1996
 D
Lofgren, Zoe
California · May 15, 1996
 D
Waters, Maxine
California · May 15, 1996
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3221: Electronic Fund Transfer Fees Act of 1996. 104th Congress. Open America. https://openamerica.io/bill/104-HR-3221/
MLA
"H.R. 3221: Electronic Fund Transfer Fees Act of 1996." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-3221/.
Bluebook (legal)
H.R. 3221, 104th Cong. (2026), https://openamerica.io/bill/104-HR-3221/.
Markdown link
[H.R. 3221: Electronic Fund Transfer Fees Act of 1996](https://openamerica.io/bill/104-HR-3221/)
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