Sponsors (3)
The bill tightens federal protection and raises penalties to deter and better prosecute ATM-related crime (benefiting ATM users, institutions, and prosecutors) but expands federal reach and harsher sentencing that will raise incarceration and enforcement costs, increase compliance burdens for banks, and introduce risks of uneven sentencing and litigation over statutory language.
People who use or service ATMs (and the communities around them) gain stronger federal criminal penalties and higher maximum sentences for ATM-related offenses, increasing deterrence and accountability for violent ATM incidents.
Depository institutions and ATM owners receive clearer federal protections for ATM property and equipment, enabling stronger DOJ prosecution and enforcement against attacks on ATM infrastructure.
People and entities trafficking in stolen ATM cash or equipment face new federal offenses for receipt/possession of ATM-derived property, reducing market incentives for moving stolen ATM assets.
Individuals convicted under the new federal ATM offenses will face substantially longer prison terms (up to 25–30 years or life for some violent offenses), increasing incarceration rates and long-term costs for taxpayers.
Expanding federal criminal jurisdiction over a wide range of ATM offenses is likely to shift prosecutions from state to federal courts, increasing DOJ caseloads and federal court resource demands.
A broad statutory definition of “ATM” (including network-connected terminals and sponsored machines) could subject many devices to federal law, raising compliance burdens and enforcement complexity for banks and vendors.
Based on analysis of 3 sections of legislative text.
Creates federal crimes and tiered penalties for ATM theft, tampering, and receipt of stolen ATM property, raises related assault/homicide penalties, and amends 18 U.S.C. § 2113(a) wording.
Introduced February 5, 2026 by Rafael Edward Cruz · Last progress February 5, 2026
Creates a new federal crime targeting ATM-related thefts, tampering, receipt of property taken from ATMs, and related violent acts, with tiered prison terms and higher penalties for assaults and killings tied to ATM offenses. Also revises wording in an existing federal bank-robbery provision to change the conjunctive “force and violence” to the disjunctive “force or violence” and inserts additional unspecified text at the end of that subsection.