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As Federal Checks Disappear, Banks Face Surge in ACH Payments and Rising Fraud Risks

A quiet but significant transformation is underway in the U.S. payments landscape. In March 2025, the White House issued a mandate requiring that, by the end of fiscal year 2025, nearly all federal government payments—including tax refunds—must transition from paper checks to electronic channels, primarily through the Automated Clearing House (AC

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