Latest action: Placed on Senate Legislative Calendar under General Orders. Calendar No. 350.
Bill is filed in its originating chamber and assigned a number.
Sponsor
Ted Cruz (R-TX)
Filed in the Senate.
Next: In Committee
Members of the committee(s) the bill was referred to
Protects people's access to cash by limiting ATM fees and bank practices that reduce cash availability.
The problem
Banks are closing branches and reducing ATM access in some communities. High ATM fees make withdrawing cash expensive. Some people struggle to access their own money.
The proposal
The bill would regulate ATM fees, require banks to maintain reasonable cash access, and protect consumers from predatory withdrawal practices.
The impact
Bank customers, especially low-income and rural people, would have easier and cheaper access to cash from their accounts.
Ensures people can withdraw their own money without excessive fees. This is especially important for unbanked and underbanked communities. Makes financial services more equitable.
Addresses bank branch closures that leave some areas without cash access. Protects vulnerable populations who rely on cash transactions. Increases financial inclusion.
Caps or limits excessive ATM charges that disproportionately harm low-income customers. Makes banking more affordable. Protects consumers from hidden costs.
Establishes clear rules protecting access to personal funds. Prevents banks from making cash inaccessible. Increases financial transparency.
Requiring ATM networks and branch maintenance is expensive. Banks might pass costs to consumers through other fees. Could reduce bank profitability.
If fees are capped too low, banks may close unprofitable ATMs. Could harm the goal of expanding cash access. Might especially affect rural areas.
Enforcing ATM fee limits across different bank networks is complex. May require new regulatory agencies or oversight. Could create compliance burdens.
Large banks have more resources to absorb fee restrictions. Small banks and credit unions may struggle more. Could reduce competition in banking.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
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