美联储公布2027年支付服务定价：成熟服务平均涨价1.4%，明年1月1日生效
美国联邦储备委员会11月12日宣布，联邦储备银行向银行与信用合作社提供支付服务的2027年定价，将于2027年1月1日生效，涵盖支票清算、自动清算所（ACH）交易、即时支付以及批发支付与结算等服务。
按法律规定，美联储必须把收费定在长期能够收回成本的水平，成本包括推算成本。美联储预计，2027年可收回实际与推算支出的101.5%，其中包括若由私营机构提供同类服务本应赚取的股本回报。总体来看，2027年的价格调整将使成熟服务的平均价格上升约1.4%。
联邦储备银行同时宣布精简并调整支票服务。美联储表示，联邦储备银行处理的支票量持续下降，但支票对许多消费者与企业仍是重要支付工具；此次调整参考了去年支票服务信息征询收到的公众意见，内容包括在业务量低的时段优化支票处理窗口、提高银行与信用合作社向联邦储备银行送处理支票的费用，以及其他运营更新。
美联储强调，这些调整不影响消费者与企业开具或收取支票的能力，只影响银行与信用合作社如何通过联邦储备银行处理支票。2027年全部支付服务收费表已在联邦储备银行服务网站公布。
（来源：美联储）
Federal Reserve Announces 2027 Payment Services Pricing: Mature Services Up 1.4% on Average, Effective January 1
The Federal Reserve Board announced on November 12 the pricing, effective January 1, 2027, for payment services the Federal Reserve Banks provide to banks and credit unions, such as the clearing of checks, automated clearing house (ACH) transactions, instant payments, and wholesale payment and settlement services.
By law, the Federal Reserve must establish fees to recover the costs, including imputed costs, of providing payment services over the long run. The Federal Reserve expects to recover 101.5 percent of actual and imputed expenses in 2027, including the return on equity that would have been earned if a private-sector firm provided the services. Overall, price changes for 2027 will result in an estimated 1.4 percent average price increase for established, mature services.
In addition, the Federal Reserve Banks announced changes to streamline and adjust their check services. The volume of checks processed by the Federal Reserve Banks is declining, but checks remain an important payment instrument for many consumers and businesses. The adjustments, informed by public feedback on last year's request for information on check services, include optimizing check processing windows during low-volume periods, increasing fees that banks and credit unions pay to process checks, and other operational updates.
The Federal Reserve said the changes do not impact consumers' and businesses' ability to pay with or receive checks, and only impact how banks and credit unions process checks with Federal Reserve Banks. The entire 2027 fee schedule for all of the Federal Reserve's payment services is published on the Federal Reserve Banks' services website.
(Source: Federal Reserve Board)
来源：美联储
发布：GSM·美国（发布链接）
图片来源：图：美联储总部。GSM 固定图库照片。 / Photo: Headquarters of the Federal Reserve. GSM fixed image library.
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