House Bill 2432, Senate Amendment 2, which passed both chambers, harmonizes the language in Illinois’ Electronic Funds Transfer Act (EFTA) with the recent federal law removing the requirement for ATMs to include physical signage disclosing usage fees. While the Governor has yet to sign the bill, Illinois banks can rely on the federal law today, since the Illinois law provides that compliance with federal law is deemed to be compliance with the EFTA (see IDFPR Interpretive Letter 06-01).