96TH GENERAL ASSEMBLY
State of Illinois
2009 and 2010
SB1355

 

Introduced 2/10/2009, by Sen. Jacqueline Y. Collins

 

SYNOPSIS AS INTRODUCED:
 
205 ILCS 616/50

    Amends the Electronic Fund Transfer Act. Provides that a terminal operated in the State must (instead of may) be designed and programmed so that when a consumer enters his or her personal identification number in reverse order, the terminal automatically sends an alarm to the local law enforcement agency having jurisdiction over the terminal location. Deletes language providing that specified provisions shall not be construed to require an owner or operator of a terminal to design and program the terminal to accept a personal identification number in reverse order. Effective immediately.


LRB096 09056 MJR 19196 b

FISCAL NOTE ACT MAY APPLY

 

 

A BILL FOR

 

SB1355 LRB096 09056 MJR 19196 b

1     AN ACT concerning financial regulation.
 
2     Be it enacted by the People of the State of Illinois,
3 represented in the General Assembly:
 
4     Section 5. The Electronic Fund Transfer Act is amended by
5 changing Section 50 as follows:
 
6     (205 ILCS 616/50)
7     Sec. 50. Terminal requirements.
8     (a) To assure maximum safety and security against
9 malfunction, fraud, theft, and other accidents or abuses and to
10 assure that all access devices will have the capability of
11 activating all terminals established in this State, no terminal
12 shall accept an access device that does not conform to
13 specifications that are generally accepted. In the case of a
14 dispute concerning the specifications, the Commissioner, in
15 accordance with the provisions of Section 20 of this Act, shall
16 have the authority to determine the specifications.
17     (b) No terminal that does not accept an access device that
18 conforms with those specifications shall be established or
19 operated.
20     (c) A terminal shall bear a logotype or other
21 identification symbol designed to advise customers which
22 access devices may activate the terminal.
23     (d) When used to perform an interchange transaction, a

 

 

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1 terminal shall not bear any form of proprietary advertising of
2 products and services not offered at the terminal; provided,
3 however, that a terminal screen may bear proprietary
4 advertising of products or services offered by a financial
5 institution when a person uses an access device issued by that
6 financial institution.
7     (e) No person operating a terminal in this State shall
8 impose any surcharge on a consumer for the usage of that
9 terminal, whether or not the consumer is using an access device
10 issued by that person, unless that surcharge is clearly
11 disclosed to the consumer both (i) by a sign that is clearly
12 visible to the consumer on or at the terminal being used and
13 (ii) electronically on the terminal screen. Following
14 presentation of the electronic disclosure on the terminal
15 screen, the consumer shall be provided an opportunity to cancel
16 that transaction without incurring any surcharge or other
17 obligation. If a surcharge is imposed on a consumer using an
18 access device not issued by the person operating the terminal,
19 that person shall disclose on the sign and on the terminal
20 screen that the surcharge is in addition to any fee that may be
21 assessed by the consumer's own institution. As used in this
22 subsection, "surcharge" means any charge imposed by the person
23 operating the terminal solely for the use of the terminal.
24     (f) A receipt given at a terminal to a person who initiates
25 an electronic fund transfer shall include a number or code that
26 identifies the consumer initiating the transfer, the

 

 

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1 consumer's account or accounts, or the access device used to
2 initiate the transfer. If the number or code shown on the
3 receipt is a number that identifies the access device, the
4 number must be truncated as printed on the receipt so that
5 fewer than all of the digits of the number or code are printed
6 on the receipt. The Commissioner may, however, modify or waive
7 the requirements imposed by this subsection (f) if the
8 Commissioner determines that the modifications or waivers are
9 necessary to alleviate any undue compliance burden.
10     (g) No terminal shall operate in this State unless, with
11 respect to each interchange transaction initiated at the
12 terminal, the access code entered by the consumer to authorize
13 the transaction is encrypted by the device into which the
14 access code is manually entered by the consumer and is
15 transmitted from the terminal only in encrypted form. Any
16 terminal that cannot meet the foregoing encryption
17 requirements shall immediately cease forwarding information
18 with respect to any interchange transaction or attempted
19 interchange transaction.
20     (h) No person that directly or indirectly provides data
21 processing support to any terminal in this State shall
22 authorize or forward for authorization any interchange
23 transaction unless the access code intended to authorize the
24 interchange transaction is encrypted when received by that
25 person and is encrypted when forwarded to any other person.
26     (i) A terminal operated in this State must may be designed

 

 

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1 and programmed so that when a consumer enters his or her
2 personal identification number in reverse order, the terminal
3 automatically sends an alarm to the local law enforcement
4 agency having jurisdiction over the terminal location. The
5 Commissioner shall promulgate rules necessary for the
6 implementation of this subsection (i). The provisions of this
7 subsection (i) shall not be construed to require an owner or
8 operator of a terminal to design and program the terminal to
9 accept a personal identification number in reverse order.
10     (j) A person operating a terminal in this State may not
11 impose a fee upon a consumer for usage of the terminal if the
12 consumer is using a Link Card or other access device issued by
13 a government agency for use in obtaining financial aid under
14 the Illinois Public Aid Code.
15     For the purpose of this subsection (j), the term "person
16 operating a terminal" means the person who has control over and
17 is responsible for a terminal. The term "person operating a
18 terminal" does not mean the person who owns or controls the
19 property or building in which a terminal is located, unless he
20 or she also has control over and is responsible for the
21 terminal.
22 (Source: P.A. 93-136, eff. 1-1-04; 93-273, eff. 1-1-04; 93-583,
23 eff. 1-1-04; 93-898, eff. 8-10-04.)
 
24     Section 99. Effective date. This Act takes effect upon
25 becoming law.