General Material
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Refund Anticipation Loans (RALs) are high-interest loans tax payers can purchase to speed up delivery of their tax refunds. The majority of taxpayers who purchase RALs are low-income people claiming the EITC. Many policy makers and advocacy groups believe RALs to be a predatory lending practice. This site provides the history of RALs, rates and risks, current relevant policy efforts, and additional references.
