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Income Vs. Race Effects In Refund Anticipation Loan Utilization, Richard J. Smith
Income Vs. Race Effects In Refund Anticipation Loan Utilization, Richard J. Smith
Social Work Faculty Publications
This purpose of this paper is to illustrate how data can target outreach for social and economic justice by testing for an association between refund anticipation loan (RAL) utilization and a Zip code’s racial and income characteristics. RALs are rapid tax refunds marketed by tax preparers.