Amends the Federal Deposit Insurance Act to prohibit an insured depository institution from charging a fee to any consumer for receiving or using a debit card.
Subjects violators of such prohibition to civil liability for: (1) actual damages sustained by the consumer of between $100 and $1,000, (2) such punitive damages as the court may allow, and (3) the costs of a successful action together with reasonable attorney's fees to enforce liability.