S2517 • 2026

AN ACT RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND BANKING OFFENSES (Requires that automated teller machines disclose the account balance prior to any cash withdrawal.)

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Vargas, Thompson, Bell, Dimitri, Quezada, Lauria, Mack, Murray, DiPalma, Appollonio
Last action: 2026-05-27
Official status: Referred to House Corporations
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

AN ACT RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND BANKING OFFENSES (Requires that automated teller machines disclose the account balance prior to any cash withdrawal.)

What This Bill Does

AN ACT RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND BANKING OFFENSES (Requires that automated teller machines disclose the account balance prior to any cash withdrawal.)

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

Substitute A

Published version

Plain English: S2517A 2026 -- S 2517 SUBSTITUTE A ======== LC004706/SUB A ======== STATE OF RHODE ISLAND IN GENERAL ASSEMBLY JANUARY SESSION, A.D.

S2517A 2026 -- S 2517 SUBSTITUTE A ======== LC004706/SUB A ======== STATE OF RHODE ISLAND IN GENERAL ASSEMBLY JANUARY SESSION, A.D.
2026 ____________ A N A C T RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND BANKING OFFENSES Introduced By: Senators Vargas, Thompson, Bell, Dimitri, Quezada, Lauria, Mack, Murray, DiPalma, and Appollonio Date Introduced: February 13, 2026 Referred To: Senate Commerce It is enacted by the General Assembly as follows: 1 SECTION 1.
Chapter 19-9 of the General Laws entitled "Community Obligations and 2 Banking Offenses" is hereby amended by adding thereto the following section: 3 19-9-21.2.
Automated teller machine balance disclosure prior to withdrawal.

Bill History

2026-05-27 Rhode Island General Assembly
Referred to House Corporations
2026-05-26 Senate
Senate passed Sub A
2026-05-20 Rhode Island General Assembly
Placed on Senate Calendar (05/26/2026)
2026-05-19 Committee
Committee recommends passage of Sub A
2026-05-18 Rhode Island General Assembly
Proposed Substitute
2026-05-15 Rhode Island General Assembly
Scheduled for consideration (05/19/2026)
2026-04-14 Committee
Committee recommended measure be held for further study
2026-04-10 Rhode Island General Assembly
Scheduled for hearing and/or consideration (04/14/2026)
2026-02-13 Rhode Island General Assembly
Introduced, referred to Senate Commerce

Official Summary Text

AN ACT RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND BANKING OFFENSES (Requires that automated teller machines disclose the account balance prior to any cash withdrawal.)

Current Bill Text

Read the full stored bill text

S2517A

2026 -- S 2517 SUBSTITUTE A
========
LC004706/SUB A
========

STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
____________
A N A C T
RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND
BANKING OFFENSES

Introduced By:
Senators Vargas, Thompson, Bell, Dimitri, Quezada, Lauria, Mack,
Murray, DiPalma, and Appollonio

Date Introduced:
February 13, 2026

Referred To:
Senate Commerce
It is enacted by the General Assembly as follows:
1
SECTION 1. Chapter 19-9 of the General Laws entitled "Community Obligations and
2
Banking Offenses" is hereby amended by adding thereto the following section:
3

19-9-21.2. Automated teller machine balance disclosure prior to withdrawal.

4

(a) Prior to completing any cash withdrawal transaction, every automated teller machine
5
located within the State of Rhode Island except as provided in subsection (d) of this section, shall
6
provide the consumer with a free, real-time account balance display or balance inquiry option
7
indicating the consumer’s available balance for the account being accessed.
8

(b) The balance disclosure required pursuant to subsection (a) of this section shall:
9

(1) Be presented clearly and prominently on the automated teller machine screen;
10

(2) Be displayed before the consumer is prompted to enter a withdrawal amount; and
11

(3) Provide the consumer with the option to cancel the transaction without charge.
12

(c) No bank, credit union, or automated teller machine operator shall impose a fee or charge
13
of any kind for a transaction where no money is dispensed or for the balance disclosure or balance
14
inquiry required by this section or for any transaction that has been declined.
15

(d) This section shall apply to all automated teller machines, including those owned or
16
operated by financial institutions and non-bank operators, that permit cash withdrawals by
17
consumers in this state except any automated teller machine owned, operated, leased, branded, or
18
made available by or on behalf of a financial institution subject to the federal Gramm-Leach-Bliley

1
Act, 15 U.S.C. § 6801 et seq.
2

(e) Enforcement of this section shall be by the department of business regulation. A
3
violation of this section shall constitute an unfair practice subject to administrative enforcement,
4
including fines and corrective orders, as determined by the director.
5
SECTION 2. This act shall take effect on January 1, 2027.
========
LC004706/SUB A
========

LC004706/SUB A - Page 2 of 2
EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO FINANCIAL INSTITUTIONS -- COMMUNITY OBLIGATIONS AND
BANKING OFFENSES
***
1
This act would require that automated teller machines disclose the account balance prior to
2
any cash withdrawal.
3
This act would take effect on January 1, 2027.
========
LC004706/SUB A
========

LC004706/SUB A - Page 3 of 2