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Earned Income Tax Credit (EITC) = a federal tax credit designed to supplement the earnings of low- to moderate-income workers.
Refund Anticipation Loans (RALs) = high interest, short term loans issued by commercial tax preparers based on the filer's expected tax refund.
Refund Anticipation Checks (RACs) = a non-loan financial product in which an account is temporarily opened for taxpayers to receive their refund, although they do not received it any sooner than the IRS sends it.
Source: Internal Revenue Service SPEC Information Database, Tax Year 2005 (December 2007). CDF Calculations.