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What it is

Bill to guarantee ATMs in towns without banks

Committee step 4 of 7 · Unfinished

It is a members’ bill. Introduced by parliamentary groups, the Senate, regional governments or citizens. It was introduced on 12 May 2022. Introduced by: Senado.

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 124/000011· updated 11 Nov

Automatic summary, not yet reviewed

  1. The bill would ensure that everyone can access basic banking services through a nearby ATM, no matter which town they live in. Towns with no ATM within their boundaries would be considered at risk of financial exclusion.
  2. Towns without an ATM would need to have at least one, working 24 hours a day, every day of the year, with a minimum set of functions: cash withdrawals and deposits, bill and tax payments, balance and transaction inquiries, statements, and transfers. 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, after consulting town councils and autonomous communities, and the list would be reviewed every two years. Town councils would propose the locations for the ATMs.
  4. Installation would be voluntary as the preferred option: financial institutions could choose which towns to install ATMs in and would cover the costs. If a town receives no proposal, the mandatory installation regime would apply.
  5. Under mandatory installation, institutions would first be ordered to install ATMs based on their market share. If the ATMs are still not installed, the government would handle the installation itself, paid for by a guarantee fund financed by contributions from financial institutions. In certain cases, service could be provided through mobile ATMs.
  6. The bill would exclude investment banks and institutions without a banking license from the Bank of Spain, and it would take effect twenty days after publication in the official state gazette.

Who it affects

  • Residents of towns without an ATM: Would have guaranteed access to a nearby ATM with basic functions.
  • Financial institutions with ATMs in Spain: Would have to install ATMs voluntarily or, failing that, mandatorily based on market share, and contribute to the guarantee fund.
  • Town councils of affected towns: Would propose locations for the ATMs and process the required paperwork.
  • People with disabilities: ATM service would be provided under universal accessibility conditions.

Words worth knowing

Exclusión financiera (financial exclusion)
The situation of someone who cannot access basic banking services, such as withdrawing cash, because none are available nearby.
Ejecución subsidiaria (subsidiary execution)
When the government itself does what an obligated institution has failed to do.
Cuota de mercado (market share)
Each institution's share of the banking business, calculated here by 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, such as a village or hamlet.

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 4 of 7 steps. It reached Committee, and today it is unfinished.

  1. Introduced12 May 2022Someone registers the text in the Congreso.
  2. Admitted17 May 2022The Bureau of the Congreso accepts it and, for a members’ bill, the plenary decides whether to consider it.
  3. Amendments20 May 2022Groups propose changes.
  4. Committee29 September 2022A 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
Jun 2022Sept 2022Dec 2022Mar 202311. 12 May 2022: Presentación22. 17 May 2022: Comisión de Asuntos Económicos y Transformación Digital Publicación desde 17/05/2022 hasta 20/05/202233. 17 May 2022: Calificación44. 20 May 2022: Comisión de Asuntos Económicos y Transformación Digital Enmiendas desde 20/05/2022 hasta 29/09/202255. 29 September 2022: Comisión de Asuntos Económicos y Transformación Digital Informe desde 29/09/2022 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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