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What it is

Bill to guarantee ATMs in towns without banks

Admitted step 2 of 7 · Unfinished

It is a members’ bill. Introduced by parliamentary groups, the Senate, regional governments or citizens. It was introduced on 15 March 2022. Introduced by: Grupo Parlamentario Plural.

Official title: Private member's bill guaranteeing the service of automatic teller machines in municipalities at risk of financial exclusion.

Follow this law

Source: Congreso de los Diputados, file 122/000204· updated 11 Nov

Automatic summary, not yet reviewed

  1. The bill would give everyone the right to a nearby ATM, no matter which town they live in, and would require towns without an ATM to have at least one.
  2. The ATM would have to work around the clock every day, be accessible, serve in co-official regional languages, and offer at least cash withdrawals and deposits, bill payments, balance inquiries, statements and transfers. Its setup and maintenance costs could not be passed on to users.
  3. The Bank of Spain would draw up a list of towns at risk of financial exclusion, meaning towns with no ATM. Town councils could file comments and propose sites for the ATM, and the final list would be published in the official state gazette and reviewed every two years.
  4. A voluntary scheme would come first: financial institutions could choose which towns to place ATMs in, at their own expense. If a town received no offers, the mandatory scheme would apply.
  5. Under the mandatory scheme, the ministry would assign installations based on each institution's market share and, if that failed, the government would arrange the installation itself, paid for by a guarantee fund funded by contributions from the institutions. In some cases, mobile ATMs serving at least three days a week could be enough.
  6. Investment banks and institutions without a banking license from the Bank of Spain would be excluded from the law, which would take effect twenty days after publication.

Who it affects

  • Residents of towns without an ATM: Would have guaranteed access to basic banking services close to home.
  • Town councils of those towns: Would take part in the consultation, propose sites for the ATMs and process the paperwork.
  • Financial institutions with ATMs in Spain: Could install ATMs voluntarily and, if not, be required to based on market share, and contribute to the guarantee fund.
  • Ministry of Economy and Bank of Spain: Would draw up the town lists, the installation orders and the collection of contributions.

Words worth knowing

Exclusión financiera (financial exclusion)
The situation of someone who cannot access basic banking services, such as withdrawing or depositing money, because there are no ATMs or branches nearby.
Ejecución subsidiaria (subsidiary enforcement)
When the government itself does what a private institution failed to do despite being required to.
Cuota de mercado (market share)
Each institution's share of the banking business, calculated here from its deposits and loans.
Ente de ámbito territorial inferior al municipio (entity below the municipal level)
A local organization that administers a population center separate from the town it belongs to, similar to a hamlet or village district.

It summarizes the text as it was introduced. It is written by artificial intelligence and may contain mistakes: the official text is what counts. Read the official text · How we make summaries

Where it stands

How far did it get?

It took 2 of 7 steps. It reached Admitted, and today it is unfinished.

  1. Introduced15 March 2022Someone registers the text in the Congreso.
  2. Admitted22 March 2022The Bureau of the Congreso accepts it and, for a members’ bill, the plenary decides whether to consider it.
  3. Amendmentsnot reachedGroups propose changes.
  4. Committeenot reachedA committee goes through the text in detail.
  5. Plenarynot reachedAll 350 deputies vote.
  6. Senatenot reachedThe Senate can pass it, amend it or veto it.
  7. BOEnot reachedIt is published in the Official State Gazette (BOE) and comes into force.
See the 6 official steps on a timeline
Mar 2022Jun 2022Sept 2022Dec 2022Mar 202311. 15 March 2022: Presentación22. 22 March 2022: Boletín Oficial de las Cortes Generales Publicación desde 22/03/2022 hasta 25/03/202233. 22 March 2022: Calificación44. 25 March 2022: Gobierno Contestación desde 25/03/2022 hasta 05/05/202255. 5 May 2022: Pleno Toma en consideración desde 05/05/2022 hasta 30/05/202366. 30 May 2023: Concluido - (Caducado) desde 30/05/2023 hasta 16/06/2023

Was there a plenary vote?

We have no plenary vote linked to this law in the Congreso’s data.

What happens next

What happens now?

The legislature ended before it finished. To go on, someone would have to introduce it again in the new Cortes.

It was presented again:

The same initiative in the other chamber:

Sources

Where does all this come from?

  • The data comes from the open files of the Congreso, the Senate and the BOE, unaltered.
  • Each deputy’s province is the one of their seat on the day of the vote.
  • We only say “passed” or “rejected” when the majority needed is certain; otherwise we say which side had more votes.

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