Fair ATM Fees for Consumers Act

Sponsor introductory remarks on measure. (CR S2965)

Congressional Research Service

Official summary

Version 00 · Introduced in Senate · Jun 11, 1997

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; (2) is conducted through a national or regional electronic banking network.

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PlainBill analysis is coming later. This page presents official source data. We have not yet published a PlainBill explanation for this bill.

People & committees

Who introduced it

Sen. D'Amato, Alfonse [R-NY] · R–NY

Committees

Banking, Housing, and Urban Affairs Committee

11 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.

Apr 1, 1998
Sponsor introductory remarks on measure. (CR S2965)
Jul 29, 1997
Committee on Banking. Hearings held.
Jun 11, 1997
Committee on Banking. Hearings held.
Jun 11, 1997
Read twice and referred to the Committee on Banking.
Jun 11, 1997
Sponsor introductory remarks on measure. (CR S5530-5531)
Jun 11, 1997
Introduced in Senate

Primary sources

Bill text & related measures

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

Introduced in Senate · Jun 11, 1997 Formatted Text PDF

Related bills identified by Congress.gov

HR 3495 · Fair ATM Fees for Consumers Act

Source last updated: Aug 21, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

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Neutral evidence review

Objective

Analyze S.885 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 S.885, 105th Congress: Fair ATM Fees for Consumers Act

Official record: https://www.congress.gov/bill/105th-congress/senate-bill/885

Text version to examine: Introduced in Senate · 1997-06-11.

Official full text: https://www.congress.gov/105/bills/s885/BILLS-105s885is.htm

Imported record last updated by the source: 2025-08-21T16:14:03Z. 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 S.885 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 S.885 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 S.885, 105th Congress: Fair ATM Fees for Consumers Act

Official record: https://www.congress.gov/bill/105th-congress/senate-bill/885

Text version to examine: Introduced in Senate · 1997-06-11.

Official full text: https://www.congress.gov/105/bills/s885/BILLS-105s885is.htm

Imported record last updated by the source: 2025-08-21T16:14:03Z. 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 S.885 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 S.885 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 S.885, 105th Congress: Fair ATM Fees for Consumers Act

Official record: https://www.congress.gov/bill/105th-congress/senate-bill/885

Text version to examine: Introduced in Senate · 1997-06-11.

Official full text: https://www.congress.gov/105/bills/s885/BILLS-105s885is.htm

Imported record last updated by the source: 2025-08-21T16:14:03Z. 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 S.885 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 S.885 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 S.885, 105th Congress: Fair ATM Fees for Consumers Act

Official record: https://www.congress.gov/bill/105th-congress/senate-bill/885

Text version to examine: Introduced in Senate · 1997-06-11.

Official full text: https://www.congress.gov/105/bills/s885/BILLS-105s885is.htm

Imported record last updated by the source: 2025-08-21T16:14:03Z. 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 S.885 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.