国税局正在结束纸面退款检查,要求直接存款,以更快的速度退款,这影响到数百万人,特别是未存银行的人。 The IRS is ending paper refund checks, requiring direct deposit for faster refunds, affecting millions, especially the unbanked.

根据第14247号行政命令,国税局正在逐步取消全国各地的纸质退税检查,要求大多数纳税人使用直接存款,以便更快地(通常在21天内)收到退款。 Under Executive Order 14247, the IRS is gradually eliminating paper tax refund checks nationwide, requiring the majority of taxpayers to use direct deposit in order to receive their refunds more quickly—usually within 21 days. 作为2025年"现代化支付到美国银行账户"计划的一部分, 这项修改旨在减少欺诈, As part of the 2025 "Modernizing Payments To and From America's Bank Account" initiative, this modification seeks to lower fraud and save $68 million a year. 批评者警告说,它不成比例地影响到没有银行账户的600万美国人,特别是低收入、黑人、西班牙裔和残疾人,他们可能不得不为预付卡或预期退款贷款支付更多款项。 Critics caution that it disproportionately impacts the 6 million Americans without bank accounts, especially low-income, Black, Hispanic, and disabled people who might have to pay more for prepaid cards or refund anticipation loans. 由于财政部人员配备和资金损失,难以实施国税局有限的例外,也难以鼓励开立银行账户或使用数字钱包。 The Treasury Department's staffing and funding losses make it difficult to implement the IRS's limited exceptions and encouragement to open bank accounts or use digital wallets. 《一个大美人法案法案》的新税收条例于2025年生效,其中包括2 200美元的儿童税收抵免和增加的标准扣减额。 The One Big Beautiful Bill Act's new tax regulations, which include a $2,200 Child Tax Credit and increased standard deductions, went into effect in 2025. 2026年的申报季现已开放。 The 2026 filing season is now open.