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The Chief Organizer Blog

WADE RATHKE is the founder of ACORN, Chief Organizer at ACORN International, and Author of "Nuts & Bolts", "Citizen Wealth", "Global Grassroots", and "The Battle for the 9th Ward".

Tag: RALs

The IRS Enables the Return of Refund Anticipation Loans

Citizen Wealth Financial Justice Ideas and Issues March 13, 2017March 24, 2022 by digital

New Orleans   Refund anticipation loans or RALs, as they were known, were one of the most predatory products on the market in their heyday targeted solely to low-and-moderate income workers who were most desperate for their tax returns. They were on the other side of the digital divide so less likely to file with the …

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Victory! H&R Block Finally Kills RALS!

ACORN Citizen Wealth Ideas and Issues September 15, 2011September 15, 2011 by wade

New Orleans Early this week H&R Block finally threw in the towel and announced that they would totally discontinue RALs for this coming tax season on 2011 returns.  After seven (7) years we can finally count coup on a total victory that once preyed on lower income and desperate families for close to half-a-billion dollars …

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H&R Block, HSBC, & the end of RALs

ACORN Citizen Wealth Financial Justice December 28, 2010 by wade

New Orleans Refund Anticipation Loans or RALs are a product that have preyed on lower income worker families since their inception and promotion by the big tax preparers, H&R Block, Jackson-Hewitt, and Liberty, as well as smaller fry who could get access to credit.  Negotiating with these companies could get depressing when I worked with …

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Santa Barbara Finally Pulls Up Short

Citizen Wealth Financial Justice December 26, 2009 by wade

Quepos            It was an extra present under the palm tree to read in the pre-dawn that Santa Barbara Bank & Trust was being pulled out of the business of factoring RALs, predatory refund anticipation loan for Jackson & Hewitt and other companies in the viciously competitive tax services market for lower  income and working families.  …

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04/16/2021

Interview with NPR Gulf States Newsroom

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Interview with NPR Gulf States Newsroom

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