社会保障署更新项目操作手册：学生福利电子支付指引与墨西哥代表受款人账户规则
美国社会保障署（SSA）通过订阅通报公布，该署已于10月30日更新其《项目操作手册系统》（POMS）中的两项项目政策指令，涉及学生福利的电子支付要求，以及在墨西哥开设的代表受款人账户的命名规则。
第一项为学生福利指令（RS 00205 TN 69）。社会保障署表示，此次修订是为使表述更清晰，并纳入美国财政部的强制要求：所有联邦付款必须通过电子资金转账（EFT）发放，即直接存款或Direct Express预付卡，除非受益人符合有限的豁免条件、取得财政部的豁免。
第二项为福利金保管指令（GN 00603 TN 23）。社会保障署称，该署收到一项关于国际银行与账户命名的咨询：墨西哥金融法律中的禁止性规定，使在墨西哥开设的代表受款人账户无法遵守社会保障署的账户命名规则。为此，该署正在为这类账户制定命名规则的例外；同时，根据美国驻墨西哥城大使馆与墨西哥驻华盛顿大使馆提供的信息，该署正按国家更新其全部外国代表受款人指令中涉及的金融法律内容，以与社会保障署的账户命名规则相衔接。
代表受款人（representative payee）是指经社会保障署认定、代无行为能力受益人领取与管理福利金的人士或机构。
（据美国社会保障署订阅通报，该批手册指令更新于10月30日）
Social Security Administration Updates Program Manual on Student Benefits EFT Guidance and Mexico Rep Payee Accounts
The U.S. Social Security Administration (SSA) announced in a subscription bulletin that it updated two program policy instructions in its Program Operations Manual System (POMS) on October 30, covering electronic payment requirements for student benefits and account titling rules for representative payee accounts created in Mexico.
The first update, on student benefits (RS 00205 TN 69), revises the instructions for clarity and incorporates the Treasury Department's mandate that all federal payments be made through electronic funds transfer (EFT), either by direct deposit or Direct Express, unless the beneficiary meets one of the limited exemptions for a Treasury waiver.
The second, on conservation of benefits (GN 00603 TN 23), responds to an inquiry about international banking and account titling: legal prohibitions in Mexican financial law prevent adherence with SSA's account titling rules for representative payee accounts created in Mexico. SSA said it is working on an exception to its account titling rules for such accounts, and is also updating all of its foreign representative payee instructions with financial laws, per country, based on information received from the U.S. Embassy in Mexico City and the Mexican Embassy in Washington, D.C.
A representative payee is a person or organization appointed by SSA to receive and manage benefit payments for a beneficiary who cannot manage them on their own.
(Source: Social Security Administration subscription bulletin; manual updates dated October 30, 2026)
来源：GSM·美国（原文链接）
图片来源：图：位于马里兰州Woodlawn的美国社会保障署总部大楼（素材库 federal-core 固定图）。Coolcaesar 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Photo: U.S. Social Security Administration headquarters in Woodlawn, Maryland (federal-core asset pack). Coolcaesar, CC BY-SA 3.0, via Wikimedia Commons.
GSM Global · 本篇英文版 English edition of this story
