Bill > H1284

This bill aims to enhance banking accessibility by modifying existing Massachusetts banking laws, specifically Chapter 167 of the General Laws. The bill introduces new definitions for "banking services" (which encompass all traditional banking activities) and "physical banks" (banks with at least one in-person location and employees available to assist customers). It establishes important protections for bank customers by prohibiting physical banks from denying in-person services that are available online, ensuring that all customers—regardless of their internet access or technological ability—can receive comprehensive banking services. The bill requires banks to clearly communicate that online services are also available in-person through visible signage or verbal communication when a customer requests a service. Importantly, the legislation includes a provision clarifying that it does not interfere with existing federal and state laws regarding banks' rights to deny service to individuals. By mandating this accessibility, the bill seeks to protect consumers who might be disadvantaged by increasingly digital banking practices, particularly those who may have limited internet access or technological skills.

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https://malegislature.gov/Bills/194/H1284