This piece is about the "express kidnapping" also called
the "ATM tour." Every column should have a cartoon to illustrate what
the message is. For this one, the cartoon should be every governor and
legislator of every state and every mayor of every major city standing over a
pile of corpses of every age, race and gender in an alleyway and every bank
lobbyist of the last 30 years telling them to shut up and mind their own
business and no one gets hurt, because at heart, that's what this column is
about. A lot has been going on since I got my first ATM card in 1981. Read this
and see if you don't agree that there's something wrong.
You have to be at least 50
years old to remember a time when there were no ATMs. That's because ATMs were
introduced in the US in 1968. That was a period when people were worried about
the economy and violent crime growing out of control. When I saw my first ATM
card in 1981, the first thing I thought of was "This is an invitation to
murder. All the bad guy needs is my card, my PIN and to make sure I don't
report it stolen and he can clean out my account." The back story on the
ATM is that it was introduced in England in 1960, in a time when there was
virtually no violent street crime and perhaps a few dozen murders per year in
the whole country. Bankers in America saw how much money their cousins were
saving in teller salaries and they decided to introduce it very slowly. It went
from 500 ATMs in 1975, all inside banks, to 90,000 in 1985 in banks and grocery
stores, to 160,000 in 1995 in banks, grocery stores, bars, and now, over
400,000 nationwide in every nook cranny and crevice. Over that time, an entire
generation has arrived, all used to the idea of the ATM in the background
somewhere, and paying no attention to the problem.
Here's where you have to learn
a little about crime statistics. For the police to track a crime, they always
had to have a specific crime code section. The state's penal code serves as an
index number. There's no crime code section for "forced ATM
withdrawal" so it just gets lumped in with robbery and disappears from
sight, like the Ark of the Covenant in a government warehouse. And that's a
real problem for the police. See if there were a crime code section in any
state, the police in that state could connect Crime A to Crime B which would
lead to an arrest before Crime C. This would make it easier for the police to
spot and arrest the criminals who specialize in the pattern. That's Criminology
101. Now, here are a few more tidbits. Not one city, county or state in the US,
nor the police in any industrialized country, keeps official track of this
problem. I know, I checked with the police liaison at all their embassies. Such
a curiosity since the ATM is about the most important social/economic phenomena
of the last 40 years. The police have long known about the problem and they've
been recommending that it be tracked to make their job easier. So far, I've
found official city police reports in Chicago, New York, Los Angeles, Dallas,
Detroit and Atlanta that all recommend tracking the problem. I've also found
official reports in Illinois, Georgia, Florida, California, Texas, New York and
New Jersey, all recommending the same thing. All of these reports were written
after high profile murders. And yet, after all these reports, nothing was done
anywhere to fix the problem. In Illinois, Kansas and New Jersey, in the last
ten years, there've been proposals to make forced ATM withdrawals a distinct
felony, thereby solving the problem at no cost to the tax payer. Sounds like a
no-brainer, right? After all, who could be against such laws? The bankers would
obviously want the law because it would make their ATMs safer, which is why we
make "bank robbery" a distinct felony instead of just lumping it in
with other robberies. The police would want such laws because it makes their
jobs easier. The public would want such laws, because they would make society
safer. (Remember, the bad guy doesn't politely inquire, "Pardon me, have
you an ATM card?" before the attack begins. He just attacks in the hope
the victim has an ATM card. In Illinois, we had House Bill 4155 proposed making
forced withdrawals a distinct Class X felony because of their extremely
dangerous nature. Almost 10% of the entire general assembly, members of both
parties, signed on as co-sponsors of the bill. HB4155 died in committee without
debate. Since that bill was killed, 7 years of valuable data were lost, which
in turn allowed some very bad people to avoid arrest. So who would kill such a
bill knowing that violent criminals were the only beneficiaries? Crystal meth
junkies? They are well funded with drug money after all. But wait, there is no
Crystal Meth Junkies lobby. So who? Did I mention that if there were a crime
code section for "forced ATM withdrawal" the police could also issue
official reports on the extent of the problem? Now who could possibly have a
problem with that? For forty years, the bankers have been claiming that there
is no real ATM crime problem and they take care to make sure that their ATMs
are safe. For the grammarians amongst you, "making sure that the ATM is
safe" is not the same as saying "making sure that ATM CUSTOMERS are
safe." It's really not a trivial point. If the bankers really wanted to
protect their customers, they'd have demanded such crime statutes decades ago.
Right now, there's only one
state in the country that even has a bill pending to make forced ATM
withdrawals a distinct felony. That's Illinois and House Bill 3914. HB3914 is
proposed by Constance Howard, who also chairs the committee it will appear
before. She's retiring at the end of this session, so she's not really worried
about keeping the banking lobby happy.
Now, here's where it gets
funny. Police software has improved in the last ten years. They can now search
their reports for keywords. By searching for "ATM" and overlaying the
crime codes for murder, attempted murder, abduction, robbery, assault, rape, carjacking,
home invasion and missing person-foul play suspected, they can go back through
their files and pull up all the violent crimes involving ATMs. That includes
robberies just after a withdrawal as well. The best data available shows that
3% to 6% of all murders in Illinois involve the killer using the victim's ATM
card. That's 22 to 44 murders per year just in Illinois and 500 to 1000
nationwide. That doesn't include murder victims who are misclassified as
missing persons, which could easily double or triple the confirmed murders and
it doesn't include murders just after a withdrawal, only the forced
withdrawals.
For those of you who want to
know more, Google is the key to understanding. Do a Google News search for
"ATM" and "murder." I come up with 3 murders per week just
off that one search engine where the killer forced the victim to make a
withdrawal. That only covers about 20% of all news sources in the US though,
and the police do not normally release the ATM connection because it is an
objective piece of information that could compromise the integrity of the case.
You can also Google "ATM" and the following names. Some of these
people are victims and others are criminals: Kimberly Boyd, Eve Carson,
Meredith Emerson, Cheryl Dunlap, Robert Armfield, Lynne Weiss, Lily Burk, Jack
& Irene Bryant, Carol & Reggie Sumner, Gonzalez Boys, Karen Kleinkauf,
Nancy and Joey Bochicchio, Armanious Family, Gary Michael Hilton, Bruce
Mendenhall, "The Town Center Mall Killer," John "the Grim
Sleeper' Ewell, Tiffany Cole and Tameka Newson.
Now, that's what's been going
on since I got my first ATM card in 1981. And I bet you thought the fees were
the problem.
click
here =HB&DocNum=3914&GAID=11&SessionID=84&LegID=62721
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Retired lawyer turned software developer turned social activist. I HATE BANKERS.