法案确实存在并已通过: 川普确实在2025年7月4日签署了"一个大而美法案"，该法案在众议院以218-214票通过，在参议院以51-50票通过 CBS NewsAl Jazeera。
汇款税: 法案确实包含从2026年1月1日开始对现金汇款（海外转账）征收1%税收 Fox NewsODI。不过文章遗漏了一些重要的豁免细节。
税收政策延期: 法案确实延长了川普2017年减税和就业法案的条款，并将SALT（州和地方税）抵扣上限从1万美元提高到4万美元，为期五年 CNBCAl Jazeera。
儿童税收抵免增加: 法案确实将儿童税收抵免从每个孩子2000美元增加到2200美元 What Trump’s 'one big beautiful bill' means for your money。
老年人税收减免: 法案确实包含对老年人的税收减免，为65岁及以上人群提供相关条款 PASSED: The One, Big, Beautiful Bill Moves One Step Closer to President Trump’s Desk – Ways and Means。
文章说错或遗漏的地方：
汇款税范围: 文章声称税收适用于"所有美国居民（包括合法和非法居民）"。这部分不准确。最终版本适用于所有汇款发送者包括美国公民，但豁免从银行账户和美国发行的信用卡/借记卡的转账 Center For Global DevelopmentODI。
电动车补贴: 文章提到取消电动车补贴，但研究显示法案实际上是取消了清洁能源税收优惠，同时给予煤炭和石油公司减税 When will Trump's 'Big Beautiful Bill' take effect? Here's ...。
债务影响: 文章提到增加"数万亿债务"，实际上是将债务上限提高5万亿美元，从目前的36.2万亿美元提高 When will Trump's 'Big Beautiful Bill' take effect? Here's ...。
Who it affects:
The tax applies to all remittance senders, including U.S. citizens, green card holders, and other visa holders, who send money through cash, money orders, or cashier's checks.
What's exempt:
Transfers funded by U.S.-issued debit or credit cards or those made through financial institutions are exempt from the tax.
爪四哥 发表评论于
回复 '大号蚂蚁' 的评论 : ”最关键的问题还是马斯克诟病的问题，就是继续举债怎么还。“
没错，这也是俺这篇文章的重点
爪四哥 发表评论于
回复 'davidinchina' 的评论 : Impact on US Citizens:
While the tax is applied to all remittance senders, US citizens can claim a tax credit for the amount of the tax paid on their annual income tax return
爪四哥 发表评论于
回复 'davidinchina' 的评论 : The "One Big, Beautiful Bill Act" (OBBBA) includes a 1% tax on remittances, specifically cash transfers or their equivalents, sent from the U.S. This tax, signed into law by President Trump, applies to remittances sent by both U.S. citizens and non-citizens. The tax was initially proposed at a higher rate (5%) but was reduced in the final version of the bill.
Here's a more detailed breakdown:
What it is:
The OBBBA introduces a 1% excise tax on remittances, which are funds sent to individuals or entities outside the United States.
Who it affects:
The tax applies to all remittance senders, including U.S. citizens, green card holders, and other visa holders, who send money through cash, money orders, or cashier's checks.
What's exempt:
Transfers funded by U.S.-issued debit or credit cards or those made through financial institutions are exempt from the tax.
Why it matters:
This is the first time the U.S. federal government has imposed a remittance tax, and it is expected to have significant impacts on both the senders and recipients of these funds, as well as on the money transfer industry.
Potential consequences:
The tax may lead to a decrease in remittances, as senders may seek alternative, potentially less regulated, methods to avoid the tax. It could also negatively impact recipient countries that rely heavily on remittances for income and economic stability.
Economic impact:
The FACT Coalition says the tax could push some transfers into informal channels, potentially increasing the risk of illicit finance, as these channels are not subject to the same regulations and oversight as formal financial institutions.
我看法案里说的，汇款税并不涉及银行汇款。如果你认为不是这样，能不能提供说明？我看了原文，问了ChatGPT, 和你说的不一致：The tax does not apply to bank wire transfers. It only affects cross-border remittances funded via cash, money orders, cashier’s checks, or similar physical instruments. Transfers made from a bank account, or with a U.S.-issued debit/credit card, are fully exempt.
