- Federal agenciesClarifies federal jurisdiction for robberies at off-premises ATMs, enabling federal prosecutions.
- Potential benefitRemoves ambiguity about ATM ownership, simplifying evidence and charging decisions for prosecutors.
- Federal agenciesExtends federal protection to cash in transit and cash-handling operations during loading or unloading.
Safe Access to Cash Act of 2025
Referred to the House Committee on the Judiciary.
The bill amends 18 U.S.C. §2113 to define “ATM” and to declare that an ATM, and cash in transit to or from it, is considered in the care, custody, control, management, or possession of any bank, credit union, or savings and loan association, regardless of the ATM’s physical location or ownership. The change clarifies federal coverage of ATM robberies and related cash-transit incidents, extending that status even when the machine is off institutional premises or owned/operated by a third party.
Left worries about criminalization; right emphasizes law-and-order deterrence.
Narrow, low-cost criminal-code clarification likely to receive bipartisan support in the House.
The bill amends 18 U.S.C. §2113 to define “ATM” and to declare that an ATM, and cash in transit to or from it, is considered in the care, custody, control, management, or possession of any bank, credit union, or savings and loan association, regardless of the ATM’s physical location or ownership.
The change clarifies federal coverage of ATM robberies and related cash-transit incidents, extending that status even when the machine is off institutional premises or owned/operated by a third party.
Low fiscal impact, narrow scope, and crime-prevention framing increase chances; expansion of federal jurisdiction adds uncertainty.
How solid the drafting looks.
Left worries about criminalization; right emphasizes law-and-order deterrence.
Who stands to gain, and who may push back.
These are examples from the analysis, not a ranked list of the most-affected groups.
- Local governmentsExpands federal authority into offenses often prosecuted by state or local jurisdictions.
- Potential burdenMay impose new legal exposure on third-party ATM operators classified as under bank control.
- Federal agenciesCould increase federal investigative, prosecutorial, and correctional workload and associated costs.
Why the argument around this bill splits.
Left worries about criminalization; right emphasizes law-and-order deterrence.
Mixed reaction: values protecting cash access for underserved communities but worries about expanding federal criminal jurisdiction.
Sees clarification as narrow and practical, yet is concerned about criminal justice impacts and whether enforcement addresses root causes.
Generally supportive as a pragmatic clarification that aids law enforcement and prosecutors.
Wants clarity on interactions with state law, cost, and impacts on private ATM operators before full endorsement.
Strongly favorable: views the bill as sensible law-and-order policy protecting property and public safety.
Sees federal clarity as deterrent to organized theft and helpful to banks and cash logistics.
The path through Congress.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Low fiscal impact, narrow scope, and crime-prevention framing increase chances; expansion of federal jurisdiction adds uncertainty.
- Interaction with existing 18 U.S.C. §2113 case law and interpretations
- State objections to increased federal jurisdiction in local robberies
Recent votes on the bill.
No vote history yet
The bill has not accumulated any surfaced votes yet.
Go deeper than the headline read.
Left worries about criminalization; right emphasizes law-and-order deterrence.
Low fiscal impact, narrow scope, and crime-prevention framing increase chances; expansion of federal jurisdiction adds uncertainty.
Pro readers get the full perspective split, passage barriers, legislative design review, stakeholder impact map, and lens-based policy tradeoff analysis for Safe Access to Cash Act of 2025.
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.