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The Senate passed the Safe Access to Cash Act (S. 3798) by voice vote on October 1, 2026. The bill would extend the federal Bank Robbery Act framework to crimes involving ATMs whether or not a machine is located on a bank’s premises. Senate passage is confirmed; the available sources do not establish that the House passed the bill or that it became law.
What is the Safe Access to Cash Act?
S. 3798, the Safe Access to Cash Act, is a bill sponsored by Senators Ruben Gallego and Ted Cruz. The Congressional Record entry for February 5, 2026, says it would amend Title 18 of the U.S. Code to establish criminal offenses involving ATMs regardless of whether a machine is on a financial institution’s physical premises. The bill was introduced and referred to the Senate Judiciary Committee. U.S. Senate, Congressional Record, February 5, 2026; ABA Banking Journal.
What would the bill change for ATM robberies?
The issue the bill addresses is location: the ABA says the Bank Robbery Act does not currently cover ATMs in public locations. The proposal would bring ATM crimes within the act’s framework regardless of whether the machine is at a financial institution, with the stated aim of treating off-site ATM robberies like bank robberies. ABA Banking Journal, October 1, 2026; U.S. Senate, Congressional Record.
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The available descriptions do not establish the precise offense elements or sentence that would apply. Those details should not be inferred from the bill’s stated purpose alone.
Why do the ABA and state attorneys general support it?
The American Bankers Association supports the bill. The ABA Banking Journal reports that at least 15 state attorneys general also backed it, describing increasing targeting of standalone and off-site ATMs. The report provides no numeric crime trend or dataset, so the claim is qualitative rather than a measured estimate. ABA Banking Journal.
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The ABA said its goal was to make ATM users and machines less attractive targets by encouraging prosecutions and applying the same penalties as bank robberies. ABA Banking Journal, quoting the ABA’s letter to the bill’s sponsors.
Did the Senate pass the ATM crime bill, and is it law?
Yes. The Senate passed S. 3798 by voice vote on October 1, 2026. The sources available for this report do not verify subsequent House action or enactment, so the bill should not be described as law. Senate passage alone does not establish that its proposed changes took effect. ABA Banking Journal, October 1, 2026.
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What happens next?
For the proposal to become law, it would need to complete the remaining legislative steps, including House action and enactment. No House outcome or later enactment is established in the sources cited here. The House version was introduced by Representative John Rose, according to the ABA Banking Journal. ABA Banking Journal.
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