HR 1631
Safe Access to Cash Act of 2025
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Bill overview
This bill clarifies the federal definition of bank robbery to include robberies involving ATMs. Currently, there’s a disagreement among federal circuit courts about whether forcing someone to withdraw money from an ATM constitutes a federal crime. The Safe Access to Cash Act of 2025 defines an ATM as being considered ‘in the care, custody, control, management, or possession of’ a bank, credit union, or savings and loan association, regardless of its location or ownership. This aims to ensure consistent federal prosecution of ATM-related robberies.
Key provisions
- Defines ‘ATM’ to include network-connected automated teller machines.
- Specifies that ATMs and cash in transit to, from, or being loaded/unloaded from ATMs are considered ‘in the care, custody, control, management, or possession of’ a bank, credit union, or savings and loan association.
- Clarifies that this definition applies regardless of whether the ATM is on the institution’s premises or owned by it.
- Addresses the interpretation of federal bank robbery statutes in relation to ATM withdrawals.
Who is affected
- Banks
- Credit Unions
- Savings and Loan Associations
- Individuals using ATMs
- Law Enforcement
Notable changes
- Addresses a legal ambiguity regarding ATM robberies under federal bank robbery law.
- Provides a more consistent federal standard for prosecuting ATM-related crimes.
- Expands the definition of ‘care, custody, and control’ to include ATMs and their cash transactions.
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119th CONGRESS — 1st Session
H. R. 1631
IN THE HOUSE OF REPRESENTATIVES
A BILL
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.
This Act may be cited as the Safe Access to Cash Act of 2025
.
Section 2113 of title 18, United States Code, is amended by adding at the end the following:
the ATM is located on the physical premises of such an institution; or
the ATM is owned or operated by such an institution.