I 
107TH CONGRESS 
1ST SESSION H. R. 2572 
To implement certain recommendations of the National Gambling Impact 
Study Commission by prohibiting the placement of automated teller ma-
chines or any device by which an extension of credit or an electronic 
fund transfer may be initiated by a consumer in the immediate area 
in a gambling establishment where gambling or wagering takes place. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 19, 2001 
Mr. LAFALCE introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To implement certain recommendations of the National Gam-
bling Impact Study Commission by prohibiting the place-
ment of automated teller machines or any device by 
which an extension of credit or an electronic fund trans-
fer may be initiated by a consumer in the immediate 
area in a gambling establishment where gambling or 
wagering takes place. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Gambling ATM and 
Credit/Debit Card Reform Act’’. 
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SEC. 2. IMPLEMENTATION OF THE NATIONAL GAMBLING 
IMPACT 
STUDY 
COMMISSION’S 
REC-
OMMENDATIONS RELATING TO BANKING AND 
CREDIT. 
(a) INITIATION OF ELECTRONIC FUND TRANSFERS 
IN GAMBLING ESTABLISHMENTS.—The Electronic Fund 
Transfer Act (15 U.S.C. 1693 et seq.) is amended— 
(1) by redesignating sections 918, 919, 920, 
and 921 as sections 919, 920, 921, and 922, respec-
tively; and 
(2) by inserting after section 917 the following 
new section: 
‘‘SEC. 918. PLACEMENT OF ELECTRONIC TERMINALS IN 
GAMBLING ESTABLISHMENTS. 
‘‘(a) IN GENERAL.—No person may place, or cause 
to be placed, an electronic terminal in the immediate area 
of a gambling establishment where any form of wager or 
bet is made or accepted, any game of chance is played, 
any gambling device is used, or any other form of gam-
bling is carried on. 
‘‘(b) REGULATIONS.— 
‘‘(1) IN GENERAL.—The Board shall prescribe 
such regulations as the Board may consider to be 
appropriate to ensure that the initation of electronic 
fund transfers by consumers is kept, to the extent 
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practicable, physically segregated from any activity 
described in subsection (a). 
‘‘(2) SEPARATE
SETTING.—Such regulations 
shall include a clear delineation of the setting in 
which, and the circumstances under which, any use 
of an electronic terminal or credit card referred to 
in paragraph (1) should be conducted in a location 
physically segregated from an area where any activ-
ity described in subsection (a) is routinely carried 
on. 
‘‘(c) LIABILITY.—For purposes of section 915, a fail-
ure to comply with the requirements of subsection (a) with 
regard to any electronic terminal shall be considered a fail-
ure to comply with a provision of this title with respect 
to any consumer who initiates an electronic fund transfer 
at such terminal while such violation continues. 
‘‘(d) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
‘‘(1) GAMBLING DEVICE.—The term ‘gambling 
device’ has the meaning given to such term in sec-
tion 41311(b) of title 49, United States Code. 
‘‘(2) GAMBLING
ESTABLISHMENT.—The term 
‘gambling establishment’ has the meaning given to 
such term in section 1081 of title 18, United States 
Code.’’. 
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(b) USE OF CREDIT CARDS TO INITIATE EXTEN-
SIONS OF CREDIT IN GAMBLING ESTABLISHMENTS.— 
(1) IN GENERAL.—Chapter 2 of the Truth in 
Lending Act (15 U.S.C. 1631 et seq.) is amended by 
adding at the end the following new section: 
‘‘SEC. 140. PROHIBITION ON INITIATION OF EXTENSIONS OF 
CREDIT IN CERTAIN GAMBLING AREAS WITH-
IN GAMBLING ESTABLISHMENTS. 
‘‘(a) IN GENERAL.—No person may— 
‘‘(1) place, or cause to be placed, an electronic 
terminal; or 
‘‘(2) otherwise accept the use of a credit card 
by a consumer to initiate a consumer credit trans-
action to pay for money, property, or services ob-
tained by the consumer, 
in the immediate area of a gambling establishment where 
any form of wager or bet is made or accepted, any game 
of chance is played, any gambling device is used, or any 
other form of gambling is carried on. 
‘‘(b) REGULATIONS.— 
‘‘(1) IN GENERAL.—The Board shall prescribe 
such regulations as the Board may consider to be 
appropriate to ensure that the use of an electronic 
terminal or the use of a credit card to initiate a con-
sumer credit transaction to pay for money, property, 
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