<body><p><em>RALs are high-cost loans on  tax refunds targeted at low-income families.</em></p>
<p>Refund Anticipation Loans  drain the assets of those least able to afford high fees. What's more, most  RALs go hand in hand with the Earned Income Tax Credit. The EITC is an  excellent program, but RALs thwart its inspired and well-implemented mission to  reward work and support low-income households.<br />
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