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H.R. 3495 105th Congress House

Fair ATM Fees for Consumers Act

Official title: To amend the Electronic Fund Transfer Act to limit fees charged by financial institutions for the use of automatic teller machines, and for other purposes.

Introduced: March 18, 1998 See on congress.gov
Finance and Financial Sector Automated teller machinesChecking accountsCommerceComputer networks
More subjectsShow fewer subjects
Consumer protectionElectronic funds transfersFeesSavings accountsScience, Technology, CommunicationsUser charges
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This bill died when the 105th Congress ended
It never became law before the 105th Congress (1997–1998) 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
Mar 31, 1998
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Mar 18, 1998
Referred to the House Committee on Banking and Financial Services.
Mar 18, 1998
Introduced in House
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 Latest action March 31, 1998

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Fair ATM Fees for Consumers Act - Amends the Electronic Fund Transfer Act to proscribe the assessment of an electronic terminal surcharge (ATM fee) against a consumer if the transaction: (1) neither relates to nor affects an account held by the consumer with the financial institution that owns or operates the electronic terminal; and (2) is conducted through a national or regional electronic banking network.

 Related & companion bills 1
  • S 885 Identical bill Fair ATM Fees for Consumers Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3495: Fair ATM Fees for Consumers Act. 105th Congress. Open America. https://openamerica.io/bill/105-HR-3495/
MLA
"H.R. 3495: Fair ATM Fees for Consumers Act." 105th Congress, 2026, Open America, https://openamerica.io/bill/105-HR-3495/.
Bluebook (legal)
H.R. 3495, 105th Cong. (2026), https://openamerica.io/bill/105-HR-3495/.
Markdown link
[H.R. 3495: Fair ATM Fees for Consumers Act](https://openamerica.io/bill/105-HR-3495/)
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