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Safe Access to Cash Act of 2025

3/18/2025, 4:30 PM

Summary of Bill HR 1631

Bill 119 HR 1631 aims to amend title 18 of the United States Code to clarify the ownership and responsibility of ATMs. The bill states that ATMs are considered to be under the care, custody, control, management, or possession of any bank, credit union, or savings and loan association, regardless of whether the ATM is physically located on the premises of the institution.

This clarification is important as it ensures that financial institutions are held accountable for the ATMs they operate, even if the machines are located off-site. By explicitly stating that ATMs are under the ownership and responsibility of the financial institution, the bill aims to protect consumers and ensure that proper security measures are in place for these machines.

Overall, Bill 119 HR 1631 seeks to provide clarity and consistency in the regulation of ATMs, ultimately benefiting both financial institutions and consumers.

Congressional Summary of HR 1631

Safe Access to Cash Act of 2025

This bill specifies that robbery offenses involving ATMs and related cash constitute crimes under the federal bank robbery statute.

Currently, the federal bank robbery statute makes it a federal crime to take or attempt to take, by force and violence or by intimidation, money or other property belonging to or in the care, custody, control, management, or possession of any bank, credit union, or savings and loan association.

However, federal circuit courts have split on whether forcing someone to withdraw money from an ATM constitutes an offense under the federal bank robbery statute. The Fifth Circuit Court of Appeals has held that directly forcing a bank customer to withdraw money from an ATM does not constitute a federal bank robbery because the funds were in the possession of the customer, not the bank. In contrast, the Tenth and Seventh Circuits have held that directly forcing a bank customer to withdraw money from an ATM constitutes a federal bank robbery because the funds belonged to the bank when the withdrawal occurred.

This bill specifies that for purposes of the federal bank robbery statute, an ATM and any cash in transit to, being loaded into, or being unloaded from an ATM is in the care, custody, control, management, or possession of, any bank, credit union, or any savings and loan association, regardless of whether the ATM is located on the physical premises of such an institution or owned or operated by such an institution.

Current Status of Bill HR 1631

Bill HR 1631 is currently in the status of Bill Introduced since February 26, 2025. Bill HR 1631 was introduced during Congress 119 and was introduced to the House on February 26, 2025.  Bill HR 1631's most recent activity was Referred to the House Committee on the Judiciary. as of February 26, 2025

Bipartisan Support of Bill HR 1631

Total Number of Sponsors
1
Democrat Sponsors
0
Republican Sponsors
1
Unaffiliated Sponsors
0
Total Number of Cosponsors
7
Democrat Cosponsors
3
Republican Cosponsors
4
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill HR 1631

Primary Policy Focus

Crime and Law Enforcement

Alternate Title(s) of Bill HR 1631

To amend title 18, United States Code, to clarify that ATMs are in the care, custody, control, management, or possession of, any bank, credit union, or any savings and loan association regardless of whether the ATM is located on the physical premises of such an institution.
To amend title 18, United States Code, to clarify that ATMs are in the care, custody, control, management, or possession of, any bank, credit union, or any savings and loan association regardless of whether the ATM is located on the physical premises of such an institution.

Comments

Eliza Avery profile image

Eliza Avery

645

11 months ago

I think this bill is a step in the right direction. It's important to have safe access to cash for everyone.

Josue Hardison profile image

Josue Hardison

604

11 months ago

Can you believe this new bill? It's like they want to make it impossible for me to access my own cash! This bill is going to restrict my ability to withdraw money from my own bank account without jumping through hoops. It's ridiculous! #HRBill1631 #CashAccessAct #NotHappy