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HR 3246 104th Congress House Finance and Financial Sector Automated teller machines Checking accounts Commerce Computer networks Consumer education Electronic funds transfers Fees Government Operations and Politics Government paperwork Savings accounts Science, Technology, Communications Telephone User charges

ATM Fee Disclosure Act of 1996

Introduced: April 15, 1996 Introduced by: Schumer, Charles E. Democratic · New York See on congress.gov
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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 19, 1996
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Apr 15, 1996
Referred to the House Committee on Banking and Financial Services.
Apr 15, 1996
Introduced in House
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 Plain-English summary Congressional Research Service

ATM Fee Disclosure Act of 1996 - Amends the Electronic Fund Transfer Act to prohibit imposition of a fee upon an electronic fund transfer initiated by a consumer from an electronic terminal (including a telephone) unless explicit disclosures are provided regarding the amount of any transaction fee and the consumer's option to cancel the transaction without paying the fee.

Mandates written documentation upon completion of the transfer of such fee amount and the identity of the person imposing it.

Includes within such electronic fund transfers, for purposes of this Act, a balance inquiry initiated by a consumer in the same manner as an electronic fund transfer regardless of whether the consumer initiates a transfer of funds in the course of the transaction.

What's happening now April 19, 1996

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 4
All 4 Democratic 4
D
Durbin, Richard J.
Illinois · Jun 4, 1996
 D
Kaptur, Marcy
Ohio · May 7, 1996
 D
DeLauro, Rosa L.
Connecticut · Apr 23, 1996
 D
Lofgren, Zoe
California · Apr 18, 1996
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3246: ATM Fee Disclosure Act of 1996. 104th Congress. Open America. https://openamerica.io/bill/104-HR-3246/
MLA
"H.R. 3246: ATM Fee Disclosure Act of 1996." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-3246/.
Bluebook (legal)
H.R. 3246, 104th Cong. (2026), https://openamerica.io/bill/104-HR-3246/.
Markdown link
[H.R. 3246: ATM Fee Disclosure Act of 1996](https://openamerica.io/bill/104-HR-3246/)
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