Payments by paper checks have declined by more than 50% over the last decade. However, check fraud has not dropped proportionally. As highly secure EMV payment card transactions become ubiquitous in the U.S., some criminals have returned to counterfeit check fraud. Others have taken to scams with checks that take advantage of unwitting consumers. In lottery scams, criminals advise consumers they have won a lottery and send a fraudulent “winnings” check. However, first consumers must pay the income taxes. In work-from-home scams, consumers receive a fraudulent payroll check from the crim...