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Bill

Bill

HD 363

An Act relative to ATM receipts

194th Legislature (2025-2026) Introduced by Adrianne Ramos

Massachusetts bill mandates ATM operators provide transaction receipts to customers to enhance financial transparency and fraud detection.

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Bill Summary · HD 363

Legislative bill overview

HD 363 requires ATM operators to provide transaction receipts to customers and establish standards for receipt formatting and information display. The bill aims to improve financial transparency and help customers monitor their accounts for unauthorized transactions or errors.

Why is this important

ATM receipts serve as immediate proof of transaction and help customers catch fraudulent activity quickly. Without receipts, customers may not notice unauthorized withdrawals until they review statements later, potentially delaying fraud reporting and resolution.

Potential points of contention

  • Business compliance costs: ATM operators, particularly smaller providers, may face expenses upgrading machines to print receipts consistently
  • Environmental concerns: Receipt paper requirements conflict with sustainability goals, as most receipts use thermal paper with chemical coatings
  • Practical limitations: Requiring receipts for all transactions may burden machines with paper supply and maintenance needs, especially in remote locations

Compiled from official sources — confirm details with the bill’s official record.

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