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.
Economics | Social Work
Smith, Richard J., "Income vs. Race Effects in Refund Anticipation Loan Utilization" (2007). Social Work Faculty Publications. 26.