Tunisia Check Law Causes Losses

The article addresses the issue of the expiration of unused checkbooks in Tunisia under the new Law No. 41 of 2024. This law stipulates that the validity period of a checkbook shall not be less than six months, with the actual duration determined by the bank. However, it has been observed that all the checks within the checkbook expire on the same date, rendering unused checks either damaged or unusable, despite having not been involved in any financial transactions. This raises concerns about financial and environmental waste, as new checkbooks must be issued even though most checks remain unused. Citizens are questioning whether the mechanism can be adjusted to allow the use of unused checks or to reduce the number of checks in each book, especially given the declining use of checks in favor of electronic payment methods. Data indicates that the costs associated with producing unused checkbooks can be high, highlighting the need to revise policies to control expenses and promote greater flexibility, all while maintaining financial oversight.

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