Access to Money (ATM) Act of 2003

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Feb 13, 2003

Access to Money (ATM) Act of 2003 - Amends the Electronic Fund Transfer Act to prohibit operators of automated teller machines that carry paid advertising from charging user fees for electronic fund transactions whether or not the consumer maintains an account with the operator.Exempts from this proscription: (1) advertising relating to products or services provided by the operator of an automated teller machine (or by any affiliate of such operator); or (2) any public service announcement.

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People & committees

Who introduced it

Rep. Andrews, Robert E. [D-NJ-1] · D–NJ

Committees

Financial Services Committee

3 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Mar 10, 2003
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Feb 13, 2003
Referred to the House Committee on Financial Services.
Feb 13, 2003
Introduced in House
Feb 13, 2003
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Feb 13, 2003 Formatted Text PDF

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 18, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

Explore the bill from different angles

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Neutral evidence review

Objective

Analyze H.R.774 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.774, 108th Congress: Access to Money (ATM) Act of 2003

Official record: https://www.congress.gov/bill/108th-congress/house-bill/774

Text version to examine: Introduced in House · 2003-02-13.

Official full text: https://www.congress.gov/108/bills/hr774/BILLS-108hr774ih.htm

Imported record last updated by the source: 2025-08-18T18:59:30Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.774 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.774 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.R.774, 108th Congress: Access to Money (ATM) Act of 2003

Official record: https://www.congress.gov/bill/108th-congress/house-bill/774

Text version to examine: Introduced in House · 2003-02-13.

Official full text: https://www.congress.gov/108/bills/hr774/BILLS-108hr774ih.htm

Imported record last updated by the source: 2025-08-18T18:59:30Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.774 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.774 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.774, 108th Congress: Access to Money (ATM) Act of 2003

Official record: https://www.congress.gov/bill/108th-congress/house-bill/774

Text version to examine: Introduced in House · 2003-02-13.

Official full text: https://www.congress.gov/108/bills/hr774/BILLS-108hr774ih.htm

Imported record last updated by the source: 2025-08-18T18:59:30Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.774 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.774 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.774, 108th Congress: Access to Money (ATM) Act of 2003

Official record: https://www.congress.gov/bill/108th-congress/house-bill/774

Text version to examine: Introduced in House · 2003-02-13.

Official full text: https://www.congress.gov/108/bills/hr774/BILLS-108hr774ih.htm

Imported record last updated by the source: 2025-08-18T18:59:30Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.774 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.