Refund Anticipation Loans


Could move income and spending from q1 to q2 ???

H&R Block

  • 5yr 600 (+65bps)
  • The Office of the Comptroller of the Currency told HSBC Hldgs PLC not to make refunds-anticipation loans (RALs)
  • This prompted the bank to end an exclusive contract w/ HRB 3yrs early
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