美联储认为,由于使用率低和成本高,最终的纸质检查处理工作会结束,但是对伤害弱势群体的担心仍然存在。 The Fed considers ending paper check processing due to low usage and high costs, but fears over harming vulnerable groups persist.

由于使用率下降、欺诈行为增加以及基础设施需求昂贵,美联储正在对结束纸质支票处理进行评估。 The Federal Reserve is evaluating ending its paper check processing due to declining use, rising fraud, and costly infrastructure needs. 虽然数字支付占主导地位,但支票仍然占交易的5%和支付价值的21%,对账单支付、小企业和免收信用卡费者仍然至关重要。 Though digital payments dominate, checks still represent 5% of transactions and 21% of payment value, remaining vital for bill payments, small businesses, and those avoiding credit card fees. 批评者警告说,逐步取消检查可能会伤害无银行担保的美国人 — — 大约6%的成年人和低收入、老年人以及依赖他们的技术有限的技术人口。 Critics warn phasing out checks could harm unbanked Americans—about 6% of adults—and low-income, elderly, and tech-limited populations who rely on them. 专家们告诫说,尽管检查的作用有所削弱,但过早取消检查可能会造成重大干扰。 Experts caution that eliminating checks too soon could cause significant disruptions despite their reduced role. 该决定仍在审查中。 The decision remains under review.