I feel refund loans "RAL'S" are a waste of the Tax Payers money and that the Federal Government does need to put a stop to these types of offers. The three largest Tax Companies are already outrageously priced on the tax filing fees alone. By allowing an Individual to get their tax refund sooner than the IRS will issue the refund and be able to charge the client high fees to do this is not ethical. I do however agree to keep the standard bank product in place to have the Individual pay their tax preparation fee out of the refund for a small fee for the bank to process it very logical. With the new processing of refunds by the IRS, Tax Payers are receiving their refunds in as little as five business days by direct deposit. By possibly allowing Tribal Banks to process refund loans on tax refunds is not secure and allows the personal information of the Tax Payer to possibly be sold.