Fraud is only growing, and the last thing we need is our tax returns ending up in the hands of the wrong people.

Imagine the fraud we could see.

Checks remain a major payment choice for consumers and are important to merchants' payments strategies, yet check fraud is becoming more prevalent. In today's high-fraud environment, distributed databases with data that is a day old doesn't reduce fraud enough. With Live Verify, larger merchants can continue to give consumers the choice to write checks while receiving a significantly increased level of protection from check fraud as compared to distributed databases.

This provision opens up the possibility for much more waste, fraud and abuse and offers no improvement in the government's ability to quickly assist the people who need it.

It couldn't go under the underpasses.

That speaks to motive. If you're truthfully concerned about fraud, why are you not addressing something that everybody knows has been used for fraud? It doesn't add up.