HR 9331
STOP Payments Fraud Act of 2026
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Bill overview
The STOP Payments Fraud Act of 2026 aims to strengthen protections against fraudulent checks and wire transfers. It allows depository institutions to temporarily suspend certain funds availability requirements if they have reasonable suspicion that a check or wire transfer is fraudulent. Specifically, the bill expands exceptions for fraud, particularly for new accounts and wire transfers, and establishes a process for determining when increased fraud risk exists, potentially leading to a temporary suspension of funds availability rules. This aims to balance the need to prevent fraud with the efficient flow of funds.
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