What is the punishment for financial check-related crimes, and what are the proposed solutions, with evidence if any?

A check is a written documentation of a debt. There is no explicit text governing crimes related to it, as these are new matters that fall under general texts such as the Almighty's saying: "And do not consume your properties among yourselves through falsehood," and the Prophet's (peace be upon him) saying: "There shall be no harm or reciprocating harm." The determination of the punishment in these transactions is left to the ruler or judge, as they deem appropriate to deter criminals and reform them. This is known as a discretionary punishment (ta'zir).