{"id":3641,"date":"2011-09-16T13:33:29","date_gmt":"2011-09-16T13:33:29","guid":{"rendered":"https:\/\/www.thefranchiseking.com\/?p=3641"},"modified":"2015-04-06T00:55:57","modified_gmt":"2015-04-06T00:55:57","slug":"no-more-refund-anticipation-loans","status":"publish","type":"post","link":"https:\/\/www.thefranchiseking.com\/no-more-refund-anticipation-loans","title":{"rendered":"No More Refund Anticipation Loans from H & R Block Franchises"},"content":{"rendered":"

\"Loans<\/a><\/p>\n

 <\/p>\n

Just in case you don’t know what RAL’s<\/strong> are, \u00a0here’s the dealio;<\/p>\n

 <\/p>\n

Refund\u00a0Anticipation\u00a0Loans<\/strong> are one to two week loans made by banks and offered by tax preparers<\/strong>, secured by a taxpayer\u2019s\u00a0anticipated\u00a0tax refund<\/strong>.<\/p>\n

 <\/p>\n

These types of loans and checks<\/strong> are usually targeted to lower-income people, and often consumers who don’t have formal banking relationship, as a way for them to pay for tax-preparation services without any out-of-pocket expense \u2014 and to get their refunds faster.<\/p>\n

Tax preparers (and the banks that fund such loans<\/em>) charge high up-front fees for the loans, which have long drawn consumer advocates’ ire. Negative publicity<\/em> is one of several factors that have led to a decline in demand for the loans; another is improvements in tax-refund delivery technology. Read more at\u00a0Wikipedia<\/a>\u00a0<\/strong><\/p>\n

Ever since the Internal Revenue Service announced that it will no longer provide tax preparers and associated financial institutions with the so called, “debt indicator<\/em>, which is used to facilitate refund anticipation loans, tax preparation firms like H & R Block have been scrambling to find ways to fund these types of loans.<\/p>\n

Until now.<\/p>\n

 <\/p>\n

From a recent H & R Block Press Release<\/a><\/strong>;<\/p>\n

 <\/p>\n

“H&R Block announced today that it will not offer refund anticipation loans (RAL) during the 2012 tax season. However, the company will continue providing low-cost financial solutions next year<\/em>.”<\/p>\n

Interesting. It goes on;<\/p>\n

“We evaluated our options to determine what was best for our clients, the business and our shareholders,” said Bill Cobb, H&R Block president and CEO. “Knowing we had a strong 2011 tax season without RALs, our analysis did not present a compelling reason to bring back the product in 2012<\/em>.”<\/p>\n

Chi Chi Wu, a staff attorney at the National Consumer Law Center<\/a><\/strong> said that, \u201cWe have criticized these loans as high cost and risky for over a decade, and we are pleased that H & R Block has actively decided not to offer them<\/em>.”<\/p>\n

So far, none of the other Tax Preparation Franchises<\/a><\/strong> have followed suit.<\/p>\n

 <\/p>\n

Should they?<\/p>\n

 <\/p>\n

Speaking of loans, there’s one thing that’s crucial these days, if you’re going to be applying for a small business loan. (Besides good credit.)<\/p>\n

 <\/p>\n

You’ll need one of these bad boys<\/a>.<\/h3>\n

 <\/p>\n

 <\/p>\n

\"affiliate<\/p>\n","protected":false},"excerpt":{"rendered":"

  Just in case you don’t know what RAL’s are,  here’s the dealio;   Refund Anticipation Loans are one to two week loans made by banks and offered by tax preparers, secured by a taxpayer’s anticipated tax refund.   These types of loans and checks are usually targeted to lower-income people, and often consumers who don’t have formal banking […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","footnotes":""},"categories":[28,426],"tags":[],"class_list":["post-3641","post","type-post","status-publish","format-standard","hentry","category-franchise-news","category-retail-franchises"],"yoast_head":"\nNo More Refund Anticipation Loans from H & R Block Franchises — The Franchise King\u00ae<\/title>\n<meta name=\"description\" content=\"No More Refund Anticipation Loans from H & R Block Franchises\" \/>\n<meta name=\"robots\" content=\"index, follow, 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