CARES Act 2: When Could the IRS Send the Second Stimulus Check?


The second raise test arrives. We break down the possible payment schedules. James Martin / CNET

On Monday, the Senate plans to deploy its proposal for the next stimulus plan, and it will include a second stimulus check, according to Senate Majority Leader Mitch McConnell. “Republicans want to send a second round of direct payments to American households,” he wrote Thursday.

Called CARES 2, the economic bailout bill will be the Republican response to the Heroes Act, the bill passed in May by the Democratic-led House of Representatives that offers $ 3 trillion in economic support for individuals and businesses. battling an American recession powered by a continued increase in coronavirus cases.

Once Senate Republicans outline their plan, they are expected to begin working with Congressional Democrats to find common ground on Bill CARES 2, including who will be eligible for the second payment, the size of the next stimulus check and how long the IRS could send the first payments by direct deposit and by mail. The White House has already offered a clue as to what this first date could be.

“The president’s preference is to ensure that we send direct payments quickly so that in August people get more money. There’s no question it worked before, ”Treasury Secretary Steven Mnuchin told CNBC on Thursday.

But millions of Americans rely on this payment to cover their basic needs, and August is a long month. When can you expect the next check? We have matched the Senate schedule with the payment schedule for the first stimulus check in order to come up with a possible schedule. This story is constantly updated as the situation evolves in Washington.

What is the “deadline” for the stimulus payment? In just 2 weeks

The Senate has until the August 7 deadline – 11 working days – to negotiate, debate and pass another stimulus package before the last day of the current session.

Why August 7? Because the August Senate recess goes from August 10 to Sept. 10 7 (Labor Day), which means that there are 32 days between the last date of the Senate session (August 7) ​​and the first day of the following session (September 8). If the Senate does not pass a bill by August 7, it will not pass it before. The September session runs until September 25.

Senate timeline for making a stimulus control decision


Senate action and possible monitoring dates

July 20 to August 7

In session. The Senate will not work after Aug. 7, McConnell said.

July 31

Congress would need to extend the additional unemployment benefits to that date before they expire.

August 10 to September 7

August recess planned.

August 26

If Congress approves the new checks by August 7, this is a likely date the IRS could start sending out second stimulus checks, depending on the IRS payment schedule for the first checks. .

September 8 to September 25

In session. If the Senate does not pass a bill by August 7, this is the next time it will have to work on a package.

September 28 to September 29

Scheduled break.

September 28 to October 14

If the Senate approved any new checks during the session that ends Sept. 25, that’s a likely time when the IRS could begin the next round of checks.

September 30 to October 9

In session. If the Senate still has not passed a bill, this is its last chance before the general election on November 3.

October 19 to October 28

If the Senate approved new checks in the session that ends Oct. 9, that’s a likely time when the IRS could begin the next round of checks.

Congress is working on a new coronavirus stimulus bill that could put an additional $ 1,200 in your wallet.

Angela Lang / CNET

When could the IRS start sending the second stimulus checks?

The IRS could still send out the first wave of checks in August, if a second round of stimulus checks gets the green light early in the month. To set an August date, some in Washington are offering direct payments as part of a new stimulus package that could be modeled on how the CARES law implemented payments which entered into force in March.

“If the parameters stayed the same, we could do it very quickly,” said Senator John Thune, a Republican from South Dakota, according to the Washington Post.

For reference, the president signed the CARES law on March 27, and the first stimulus payments came out less than three weeks later on April 15. Let’s say that a new stimulus act goes into effect on Friday August 7. Act on the timeline, the first checks might come out of here August 26.

It is, however, plausible that the IRS could move even faster to send the first wave of stimulus checks, because it already has the mechanism in place from the first batch, including a tool allowing people sign up for direct deposit and track their payments.

Factors such as the number of people eligible for payment the second time could play a role in slowing or accelerating this time frame.

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When is the last date on which I could receive a second stimulus check?

While we don’t know anything official – and we won’t until Congress passes another bailout – we can view the timing of the first stimulus checks as a potential plan.

The IRS will have sent out about 200 million checks by the time it distributes the first set of payments. (The total population of the United States is nearly 330 million people, according to the Census Bureau.)

The majority of these were sent in early June, although the IRS has said it will continue to disburse final batches until the end of the year. If there is fewer people receiving a second stimulation test, sending a second set of checks may not take as long.


American workers face an incredibly high rate of unemployment.

Angela Lang / CNET

What must happen to get a second stimulation test?

To receive a second check, the new bailout would have to pass both the House and the Senate before receiving a signature from the president. Only then could it take effect.

After that, the IRS now has a system in place to organize and distribute these checks. But it can still take weeks for a payment to be received.

If you are still waiting for the first round of payments against the coronavirus, you can monitor the status of your stimulation test, learn how to report your no-show check to the IRS and find possible reasons your stimulus check still hasn’t arrived.

Here are some more resources on coronavirus hardship loans and unemployment insurance, what you can do if you’ve lost your job, what to know about evictions and late car payments and how take control of your budget.


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