国税局正在结束纸面退款检查,要求直接存款以更快的退款,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.

国税局正在根据第14247号行政命令逐步取消全国范围的纸质退税检查,该行政命令要求大多数纳税人使用直接存款加快退税速度,通常在21天内。 The IRS is phasing out paper tax refund checks nationwide under Executive Order 14247, requiring most taxpayers to use direct deposit for faster refunds, typically within 21 days. 这一变化是2025年“美国银行账户付款现代化”倡议的一部分,旨在每年节省6 800万美元,减少欺诈行为。 This change, part of the 2025 "Modernizing Payments To and From America's Bank Account" initiative, aims to save $68 million annually and reduce fraud. 然而,批评者警告说,它不成比例地影响到600万没有银行的美国人,特别是低收入、黑人、西班牙裔和残疾人,他们可能因预期退款贷款或预付卡而面临更高的费用。 However, critics warn it disproportionately affects the 6 million unbanked Americans, particularly low-income, Black, Hispanic, and disabled individuals, who may face higher costs through refund anticipation loans or prepaid cards. 国税局规定了有限的例外,并鼓励开立银行账户或使用数字钱包,但由于财政部的人员配备和资金损失,实施受到阻碍。 The IRS offers limited exceptions and encourages opening bank accounts or using digital wallets, but implementation is hindered by Treasury Department staffing and funding losses. 《一个大美人法案法》的新税规则,包括更高的标准扣减和2 200美元儿童税收抵免,于2025年生效,2026年的申报季节现已开放。 New tax rules from the One Big Beautiful Bill Act, including higher standard deductions and a $2,200 Child Tax Credit, took effect in 2025, with the 2026 filing season now open.