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Paperback Characteristics of Users of Refund Anticipation Loans and Refund Anticipation Checks Book
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ISBN: 1503362337

ISBN13: 9781503362338

Characteristics of Users of Refund Anticipation Loans and Refund Anticipation Checks

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We find that among the most important characteristics influencing RAL/RAC use were lower income, young adulthood, single head-of-household filing status, receipt of the Earned Income Tax Credit (EITC), and use of a paid preparer. We also find that RALs and RACs are highly spatially concentrated and that living in the poorest communities is associated with dramatic increases in use of these products, even after controlling for a taxpayer's income and...

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