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HR 3727 104th Congress House Finance and Financial Sector Automated teller machines Commerce Congress Congressional investigations Congressional reporting requirements Consumer education Debit cards Electronic funds transfers Fees Science, Technology, Communications User charges

ATM Fee Reform Act of 1996

Introduced: June 27, 1996 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 5 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 30, 1996
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
Jul 30, 1996
Subcommittee Consideration and Mark-up Session Held.
Jul 12, 1996
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Jun 26, 1996
Referred to the House Committee on Banking and Financial Services.
Jun 26, 1996
Introduced in House
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 Plain-English summary Congressional Research Service

ATM Fee Reform Act of 1996 - Amends the Electronic Fund Transfer Act to mandate fee disclosures at the time of service by any host electronic terminal operator which imposes a fee for providing host transfer services to a consumer.

Requires each agency responsible for compliance enforcement under the Act to report annually to the Congress on compliance and on regional and national trends in fees imposed by host ATM operators.

Mandates the disclosure to consumers whenever an electronic means of accessing the consumer's account is issued of possible fees for initiating electronic fund transfers.

Requires the Comptroller General to study the feasibility of prohibiting the imposition of an electronic fund transfer fee unless notice has been provided before the consumer is irrevocably committed to completing the transaction.

What's happening now July 30, 1996

Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 5
All 5 Democratic 5
D
Durbin, Richard J.
Illinois · Jul 18, 1996
 D
Lofgren, Zoe
California · Jul 18, 1996
 D
Velázquez, Nydia M.
New York · Jul 18, 1996
 D
Fields, Cleo
Louisiana · Jun 27, 1996
 D
Schumer, Charles E.
New York · Jun 26, 1996
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3727: ATM Fee Reform Act of 1996. 104th Congress. Open America. https://openamerica.io/bill/104-HR-3727/
MLA
"H.R. 3727: ATM Fee Reform Act of 1996." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-3727/.
Bluebook (legal)
H.R. 3727, 104th Cong. (2026), https://openamerica.io/bill/104-HR-3727/.
Markdown link
[H.R. 3727: ATM Fee Reform Act of 1996](https://openamerica.io/bill/104-HR-3727/)
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