You are an aide for the Senate Banking Committee chairman. He comes to you with a bill that proposes setting limits on what ATM owners can charge non account holders, over and above what banks charge their own customers. Currently, large banks charge noncustomers an average fee of $1.35 per transaction in addition to the fees the customer's own bank imposes. The senator asks you to look at a proposal that would place a $0.50 cap on the fees ATM owners can charge noncustomers for accessing their money. If this legislation is enacted, what would be the likely effects?