Safe Access to Cash Act of 2025

HR 1631, the Safe Access to Cash Act of 2025, amends federal robbery law to clarify that all network-connected ATMs and cash in transit (being loaded/unloaded) are considered under the care of banks, credit unions, or savings associations. This directly affects financial institutions by expanding their legal responsibility for ATM security, regardless of whether the ATM is on their premises or owned/operated by another entity. The bill defines "ATM" broadly to include any terminal used for withdrawals, deposits, or balance inquiries via a bank-issued card. Key provisions ensure these locations and cash are treated as part of the institution's protected property under robbery statutes. This creates a clear legal standard for holding financial institutions accountable for ATM security.