To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine.
Public Law 112-216 · H.R. 4367 · 112th Congress · began in the House
Signed by Barack Obama (D) on Dec 20, 2012 · Finance and Financial Sector
Sponsor: Rep. Blaine Luetkemeyer (R-MO-9)
Cosponsors (145): Rep. David Scott, Rep. Lynn Westmoreland,
Passage votesYeaNay
- HouseRecorded vote: 371 yea, 0 nay371–0
- SenateUnanimous consent
Data notes
The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.
Summary
The Congressional Research Service’s plain-language summary of what the law does.
Amends the Electronic Fund Transfer Act with respect to mandatory fee disclosures on automated teller machines (ATMs) operated by a person other than a financial institution holding a consumer's account.
Repeals the requirement that such a fee disclosure appear in a prominent and conspicuous location on or at the ATM. Limits such requirement to appearance of a fee disclosure on the ATM screen.
Who voted for it
Every House member of the 112th Congress on the ideology compass. Highlighted: the 371 who voted yea on final passage. Faded: everyone else, including those who voted nay, did not vote, or had not yet taken office.
371 yea0 nay60 present or did not vote
Democrats who voted yea(160)
Rep. Dennis KucinichD-OH-10
Rep. Jan SchakowskyD-IL-9
Rep. Raúl GrijalvaD-AZ-7
Rep. Jim McDermottD-WA-7
Rep. Marcia FudgeD-OH-11
Rep. John OlverD-MA-1
Rep. Pete StarkD-CA-13
Rep. Gwen MooreD-WI-4
Rep. Michael CapuanoD-MA-8
Rep. Lynn WoolseyD-CA-6
Rep. Maurice HincheyD-NY-22
Rep. John LewisD-GA-5
Rep. Bennie ThompsonD-MS-2
Rep. Nydia VelázquezD-NY-12
Rep. Ed MarkeyD-MA-7
Rep. Robert BradyD-PA-1
Rep. Ed TownsD-NY-10
Rep. Grace NapolitanoD-CA-38
Rep. Mike HondaD-CA-15
Rep. Karen BassD-CA-33
Rep. Frank PalloneD-NJ-6
Rep. Wm. ClayD-MO-1
Rep. José SerranoD-NY-16
Rep. Alcee HastingsD-FL-23
Rep. Jim McGovernD-MA-3
Rep. Judy ChuD-CA-32
Rep. Maxine WatersD-CA-35
Rep. Danny DavisD-IL-7
Rep. Jerrold NadlerD-NY-8
Rep. Elijah CummingsD-MD-7
Rep. Xavier BecerraD-CA-31
Rep. Hank JohnsonD-GA-4
Rep. Louise SlaughterD-NY-28
Rep. Rush HoltD-NJ-12
Rep. Charlie RangelD-NY-15
Rep. John SarbanesD-MD-3
Rep. Ed PastorD-AZ-4
Rep. Tammy BaldwinD-WI-2
Rep. Frederica WilsonD-FL-17
Rep. Eddie JohnsonD-TX-30
Rep. Cedric RichmondD-LA-2
Rep. Hansen ClarkeD-MI-13
Rep. Jim ClyburnD-SC-6
Rep. Dale KildeeD-MI-5
Rep. Michael DoyleD-PA-14
Rep. Mel WattD-NC-12
Rep. John TierneyD-MA-6
Rep. Lucille Roybal-AllardD-CA-34
Rep. Rosa DeLauroD-CT-3
Rep. Corrine BrownD-FL-3
Rep. Brad MillerD-NC-13
Rep. Nancy PelosiD-CA-8
Rep. Tim RyanD-OH-17
Rep. Chellie PingreeD-ME-1
Rep. John DingellD-MI-15
Rep. David PriceD-NC-4
Rep. Janice HahnD-CA-36
Rep. Gary AckermanD-NY-5
Rep. Betty SuttonD-OH-13
Rep. Henry WaxmanD-CA-30
Rep. Eliot EngelD-NY-17
Rep. Betty McCollumD-MN-4
Rep. John LarsonD-CT-1
Rep. Doris MatsuiD-CA-5
Rep. Debbie Wasserman SchultzD-FL-20
Rep. Paul TonkoD-NY-21
Rep. Albio SiresD-NJ-13
Rep. Joe CrowleyD-NY-7
Rep. André CarsonD-IN-7
Rep. Rob AndrewsD-NJ-1
Rep. Steny HoyerD-MD-5
Rep. Chaka FattahD-PA-2
Rep. Diana DeGetteD-CO-1
Rep. Sam FarrD-CA-17
Rep. Marcy KapturD-OH-9
Rep. Steve CohenD-TN-9
Rep. David CicillineD-RI-1
Rep. John YarmuthD-KY-3
Rep. Peter ViscloskyD-IN-1
Rep. Mike ThompsonD-CA-1
Rep. Steve IsraelD-NY-2
Rep. Steven RothmanD-NJ-9
Rep. Kathy CastorD-FL-11
Rep. Lois CappsD-CA-23
Rep. Chris Van HollenD-MD-8
Rep. Earl BlumenauerD-OR-3
Rep. Carolyn MaloneyD-NY-14
Rep. Suzanne BonamiciD-OR-1
Rep. Colleen HanabusaD-HI-1
Rep. Sander LevinD-MI-12
Rep. Russ CarnahanD-MO-3
Rep. Jim LangevinD-RI-2
Rep. Nita LoweyD-NY-18
Rep. Joe BacaD-CA-43
Rep. Joe CourtneyD-CT-2
Rep. Loretta SanchezD-CA-47
Rep. Peter WelchD-VT
Rep. Howard BermanD-CA-28
Rep. Rubén HinojosaD-TX-15
Rep. Terri SewellD-AL-7
Rep. Silvestre ReyesD-TX-16
Rep. Lloyd DoggettD-TX-25
Rep. Charlie GonzalezD-TX-20
Rep. Jim MoranD-VA-8
Rep. Niki TsongasD-MA-5
Rep. David ScottD-GA-13
Rep. Norm DicksD-WA-6
Rep. Zoe LofgrenD-CA-16
Rep. John GaramendiD-CA-10
Rep. Susan DavisD-CA-53
Rep. Brad ShermanD-CA-27
Rep. William KeatingD-MA-10
Rep. Adam SchiffD-CA-29
Rep. Allyson SchwartzD-PA-13
Rep. Ben LujánD-NM-3
Rep. Jackie SpeierD-CA-12
Rep. Timothy BishopD-NY-1
Rep. Anna EshooD-CA-14
Rep. Mark CritzD-PA-12
Rep. Brian HigginsD-NY-27
Rep. Jerry McNerneyD-CA-11
Rep. Bruce BraleyD-IA-1
Rep. Carolyn McCarthyD-NY-4
Rep. Rick LarsenD-WA-2
Rep. Tim HoldenD-PA-17
Rep. Mike QuigleyD-IL-5
Rep. Jerry CostelloD-IL-12
Rep. Laura RichardsonD-CA-37
Rep. Ron BarberD-AZ-8
Rep. Timothy WalzD-MN-1
Rep. Shelley BerkleyD-NV-1
Rep. Adam SmithD-WA-9
Rep. Martin HeinrichD-NM-1
Rep. Gerald ConnollyD-VA-11
Rep. Peter DeFazioD-OR-4
Rep. David LoebsackD-IA-2
Rep. Gene GreenD-TX-29
Rep. Nick RahallD-WV-3
Rep. Ed PerlmutterD-CO-7
Rep. Jared PolisD-CO-2
Rep. Jim HimesD-CT-4
Rep. Leonard BoswellD-IA-3
Rep. Ron KindD-WI-3
Rep. Michael MichaudD-ME-2
Rep. Henry CuellarD-TX-28
Rep. John CarneyD-DE
Rep. Kathleen HochulD-NY-26
Rep. John BarrowD-GA-12
Rep. Joe DonnellyD-IN-2
Rep. Kurt SchraderD-OR-5
Rep. Jim CostaD-CA-20
Rep. William OwensD-NY-23
Rep. Jim CooperD-TN-5
Rep. Jason AltmireD-PA-4
Rep. Collin PetersonD-MN-7
Rep. Larry KissellD-NC-8
Rep. Mike McIntyreD-NC-7
Rep. Mike RossD-AR-4
Rep. Dan BorenD-OK-2
Rep. Jim MathesonD-UT-2
Republicans who voted yea(211)
Rep. Walter JonesR-NC-3
Rep. Steven LaTouretteR-OH-14
Rep. Patrick MeehanR-PA-7
Rep. Jim GerlachR-PA-6
Rep. Bob DoldR-IL-10
Rep. Todd PlattsR-PA-19
Rep. Ileana Ros-LehtinenR-FL-18
Rep. David ReichertR-WA-8
Rep. Mario Diaz-BalartR-FL-21
Rep. Frank LoBiondoR-NJ-2
Rep. Pete KingR-NY-3
Rep. Chris SmithR-NJ-4
Rep. Jon RunyanR-NJ-3
Rep. Charles DentR-PA-15
Rep. Christopher GibsonR-NY-20
Rep. Michael GrimmR-NY-13
Rep. Judy BiggertR-IL-13
Rep. Richard HannaR-NY-24
Rep. Rodney FrelinghuysenR-NJ-11
Rep. Lou BarlettaR-PA-11
Rep. Tom LathamR-IA-4
Rep. Shelley CapitoR-WV-2
Rep. Michael FitzpatrickR-PA-8
Rep. David McKinleyR-WV-1
Rep. David RiveraR-FL-25
Rep. Frank WolfR-VA-10
Rep. Michael TurnerR-OH-3
Rep. Charlie BassR-NH-2
Rep. Steve StiversR-OH-15
Rep. Robert TurnerR-NY-9
Rep. Nan HayworthR-NY-19
Rep. Hal RogersR-KY-5
Rep. Tom ColeR-OK-4
Rep. Rodney AlexanderR-LA-5
Rep. Mike RogersR-AL-3
Rep. Jeff FortenberryR-NE-1
Rep. Adam KinzingerR-IL-11
Rep. Frank LucasR-OK-3
Rep. Glenn ThompsonR-PA-5
Rep. Jo Ann EmersonR-MO-8
Rep. Mike KellyR-PA-3
Rep. Ander CrenshawR-FL-4
Rep. John ShimkusR-IL-19
Rep. Joseph HeckR-NV-3
Rep. Steve WomackR-AR-3
Rep. Denny RehbergR-MT
Rep. Ken CalvertR-CA-44
Rep. Bill ShusterR-PA-9
Rep. W. Bill YoungR-FL-10
Rep. Pat TiberiR-OH-12
Rep. Brian BilbrayR-CA-50
Rep. Rick CrawfordR-AR-1
Rep. Robert AderholtR-AL-4
Rep. Buck McKeonR-CA-25
Rep. Rick BergR-ND
Rep. Geoff DavisR-KY-4
Rep. Leonard LanceR-NJ-7
Rep. Spencer BachusR-AL-6
Rep. Kay GrangerR-TX-12
Rep. David DreierR-CA-26
Rep. Tom ReedR-NY-29
Rep. Gregg HarperR-MS-3
Rep. Daniel LungrenR-CA-3
Rep. Robert WittmanR-VA-1
Rep. Tim MurphyR-PA-18
Rep. Martha RobyR-AL-2
Rep. Doc HastingsR-WA-4
Rep. Kristi NoemR-SD
Rep. Chip CravaackR-MN-8
Rep. Greg WaldenR-OR-2
Rep. Elton GalleglyR-CA-24
Rep. Bobby SchillingR-IL-17
Rep. Tom MarinoR-PA-10
Rep. Randy ForbesR-VA-4
Rep. Dave CampR-MI-4
Rep. Brett GuthrieR-KY-2
Rep. Jaime Herrera BeutlerR-WA-3
Rep. James RenacciR-OH-16
Rep. Lamar SmithR-TX-21
Rep. Larry BucshonR-IN-8
Rep. Gus BilirakisR-FL-9
Rep. Peter RoskamR-IL-6
Rep. Lee TerryR-NE-2
Rep. Fred UptonR-MI-6
Rep. Jeff DenhamR-CA-19
Rep. Vern BuchananR-FL-13
Rep. Mary Bono MackR-CA-45
Rep. Scott TiptonR-CO-3
Rep. Erik PaulsenR-MN-3
Rep. Roscoe BartlettR-MD-6
Rep. Tim GriffinR-AR-2
Rep. Mike RogersR-MI-8
Rep. Bob GibbsR-OH-18
Rep. Frank GuintaR-NH-1
Rep. Candice MillerR-MI-10
Rep. Michael McCaulR-TX-10
Rep. Scott RigellR-VA-2
Rep. Mark AmodeiR-NV-2
Rep. Allen WestR-FL-22
Rep. Bill CassidyR-LA-6
Rep. Renee EllmersR-NC-2
Rep. Cathy McMorris RodgersR-WA-5
Rep. Steven PalazzoR-MS-4
Rep. Blaine LuetkemeyerR-MO-9
Rep. Bill JohnsonR-OH-6
Rep. Devin NunesR-CA-21
Rep. Daniel WebsterR-FL-8
Rep. Charles BoustanyR-LA-7
Rep. John SullivanR-OK-1
Rep. Kevin McCarthyR-CA-22
Rep. Joe BartonR-TX-6
Rep. Phil RoeR-TN-1
Rep. Ralph HallR-TX-4
Rep. Eric CantorR-VA-7
Rep. Randy HultgrenR-IL-14
Rep. Alan NunneleeR-MS-1
Rep. Mike CoffmanR-CO-6
Rep. Sean DuffyR-WI-7
Rep. Sam GravesR-MO-6
Rep. Adrian SmithR-NE-3
Rep. Joseph PittsR-PA-16
Rep. Gary MillerR-CA-42
Rep. Steve PearceR-NM-2
Rep. John MicaR-FL-7
Rep. Cory GardnerR-CO-4
Rep. Robert LattaR-OH-5
Rep. Vicky HartzlerR-MO-4
Rep. John KlineR-MN-2
Rep. Steve KingR-IA-5
Rep. Morgan GriffithR-VA-9
Rep. Richard NugentR-FL-5
Rep. Stephen FincherR-TN-8
Rep. Thomas RooneyR-FL-16
Rep. Darrell IssaR-CA-49
Rep. Andy HarrisR-MD-1
Rep. James LankfordR-OK-5
Rep. Todd YoungR-IN-9
Rep. Paul RyanR-WI-1
Rep. Tom PetriR-WI-6
Rep. Bill PoseyR-FL-15
Rep. Jack KingstonR-GA-1
Rep. Sam JohnsonR-TX-3
Rep. Mac ThornberryR-TX-13
Rep. Lynn JenkinsR-KS-2
Rep. Bob GoodlatteR-VA-6
Rep. Quico CansecoR-TX-23
Rep. Rob BishopR-UT-1
Rep. Robert HurtR-VA-5
Rep. Tim WalbergR-MI-7
Rep. Ann Marie BuerkleR-NY-25
Rep. Diane BlackR-TN-6
Rep. Sandy AdamsR-FL-24
Rep. Wally HergerR-CA-2
Rep. Phil GingreyR-GA-11
Rep. Duncan HunterR-CA-52
Rep. Steve SoutherlandR-FL-2
Rep. Kevin YoderR-KS-3
Rep. Steve ScaliseR-LA-1
Rep. Kenny MarchantR-TX-24
Rep. Reid RibbleR-WI-8
Rep. Dennis RossR-FL-12
Rep. Bill FloresR-TX-17
Rep. Austin ScottR-GA-8
Rep. Patrick McHenryR-NC-10
Rep. Kevin BradyR-TX-8
Rep. Louie GohmertR-TX-1
Rep. Joe WilsonR-SC-2
Rep. Dan BurtonR-IN-5
Rep. Pete SessionsR-TX-32
Rep. Billy LongR-MO-7
Rep. John FlemingR-LA-4
Rep. Steve ChabotR-OH-1
Rep. Cliff StearnsR-FL-6
Rep. Cynthia LummisR-WY
Rep. Ted PoeR-TX-2
Rep. Michele BachmannR-MN-6
Rep. Todd RokitaR-IN-4
Rep. Michael BurgessR-TX-26
Rep. Marsha BlackburnR-TN-7
Rep. David SchweikertR-AZ-5
Rep. Bill HuizengaR-MI-2
Rep. Tom PriceR-GA-6
Rep. Ed RoyceR-CA-40
Rep. Lynn WestmorelandR-GA-3
Rep. Jimmy DuncanR-TN-2
Rep. Jeff MillerR-FL-1
Rep. Michael ConawayR-TX-11
Rep. Jason ChaffetzR-UT-3
Rep. Jeb HensarlingR-TX-5
Rep. Tim ScottR-SC-1
Rep. Virginia FoxxR-NC-5
Rep. Randy NeugebauerR-TX-19
Rep. Rob WoodallR-GA-7
Rep. James SensenbrennerR-WI-5
Rep. Mike PompeoR-KS-4
Rep. Trent FranksR-AZ-2
Rep. Connie MackR-FL-14
Rep. Trey GowdyR-SC-4
Rep. Doug LambornR-CO-5
Rep. Ben QuayleR-AZ-3
Rep. Raúl LabradorR-ID-1
Rep. Tim HuelskampR-KS-1
Rep. Jim JordanR-OH-4
Rep. Jeff DuncanR-SC-3
Rep. Joe WalshR-IL-8
Rep. Scott GarrettR-NJ-5
Rep. Tom McClintockR-CA-4
Rep. Mick MulvaneyR-SC-5
Rep. Justin AmashR-MI-3
Rep. Tom GravesR-GA-9
Rep. Paul BrounR-GA-10
Data notes
The House’s recorded vote on the final version of the law (roll call 1396 in Voteview), matched to the vote the record cites and checked against its totals. Positions are each member’s DW-NOMINATE score for that Congress, as on the Ideology page; left to right is more liberal to more conservative. Paired and announced yea votes count as yea. Lists follow the compass, most liberal first. A name links to a profile only for members of the current Congress. A law passed by voice vote or unanimous consent has no member list, and neither does a vote Voteview has not yet recorded.
Committees
The committees the bill was sent to, and what each did with it.
Financial Services Committee · House · markup by, referred to, reported bySubcommittee: Consumer Protection and Financial Institutions Subcommittee
Data notes
A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.
Related bills
2 bills the Library of Congress relates to this one.
S. 3204Related bill
A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes.
S. 3394Related bill
A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and f…
Data notes
Related bills are identified by the Congressional Research Service, the House and the Senate: companion and identical bills, bills with similar text, bills that were folded into this law, and rules that brought it to the floor. A bill that is itself a public law in this site’s data links here; the others link to Congress.gov.
Timeline
From introduction to signing, newest first: the committees, the floor and the president. 20 actions.
- Dec 20, 2012Became lawBecame law · Became Public Law No: 112-216.
- Became lawBecame law · Signed by President.
- Dec 13, 2012FloorFloor · Presented to President.
- Dec 12, 2012FloorFloor · Message on Senate action sent to the House.
- Dec 11, 2012FloorFloor · Passed Senate without amendment by Unanimous Consent.
- Jul 10, 2012CommitteeCommittee · Received in the Senate, read twice.
- Jul 9, 2012FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 371 - 0 (Roll no. 453).House roll call 453
- FloorFloor · Considered as unfinished business.
- FloorFloor · At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
- FloorFloor · DEBATE - The House proceeded with forty minutes of debate on H.R. 4367.
- FloorFloor · Considered under suspension of the rules.
- FloorFloor · Mr. Luetkemeyer moved to suspend the rules and pass the bill.
- Jun 29, 2012CalendarCalendar · Placed on the Union Calendar, Calendar No. 416.
- CommitteeCommittee · Reported by the Committee on Financial Services. H. Rept. 112-576.
- Jun 27, 2012CommitteeCommittee · Ordered to be Reported by Voice Vote.
- CommitteeCommittee · Committee Consideration and Mark-up Session Held.
- Apr 26, 2012CommitteeCommittee · Referred to the Subcommittee on Financial Institutions and Consumer Credit.
- Apr 17, 2012CommitteeCommittee · Referred to the House Committee on Financial Services.
- IntroducedIntroduced · Introduced in House
Data notes
Every action the Library of Congress lists for the bill, from introduction to signing, plus the dated committee hearings. The source lists many steps twice (the chamber’s own entry and the Library of Congress copy, or a presidential and a became-law entry with the same words); those are shown once. Amendments are listed in their own section.
Amendments
No amendments to this bill are on record.
Data notes
Amendments offered to this bill in either chamber, as the Library of Congress records them: each with a status read from its last recorded step: agreed to, rejected, withdrawn, ruled out of order, fell with another amendment, or offered with no vote recorded (most Senate amendments are only ever offered). The wording of each amendment is the source’s. Amendments to amendments and amendments to other bills are not listed.
Official record
The bill’s full text is on Congress.gov. Data through Oct 7, 2026.