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I've been quoted recently (Reuters via Baltimore Sun)  warning consumers that getting your taxes done for "free" in an HR Block kiosk at Walmart and then getting your tax refund on a Walmart prepaid card comes with pitfalls, including (1) fees and (2) the chance that you'll just dump the money on the card into impulse purchases at Walmart, which "is not your friend."

Now, David Rothstein, a research fellow at New America Foundation and director of an asset-building program at Policy Matters Ohio, has a short paper -- "There’s a Cost to “Free?” -- explaining even more of the pitfalls and in greater detail. Excerpt:

"Who doesn’t like getting something for free? And who dislikes doing their taxes? HR Block, Jackson Hewitt, and Walmart have packaged these two sentiments into a massive marketing campaign for free tax preparation. But is it really free? Not so much. [...] But is it deceptive? The program only covers the 1040 EZ form, as revealed in the fine print. Most families, especially those getting a tax refund because of the Earned Income Tax Credit (EITC), are not going to use that form. According to Block, only 16% of their clients were eligible for the 1040 EZ in 2010."

Rothstein goes on to point out that taxpayers, including those filing any other form than the EZ, which would include all taxpayers with kids, all taxpayers requesting the EITC and all taxpayers with any non-standard deductions, have better options that really are free:

"There are options that really are free to the taxpayer, the IRS' VITA Program, the Benefit Bank, and many others. There’s no problem with Block, Hewitt and Walmart making money off of tax preparation, it’s a service that people are willing to pay for (billions and billions altogether). The question is whether there’s a problem marketing something as “free” when it isn’t for 84% of your customers. The Consumer Financial Protection Bureau has a charge to “restrict unfair, deceptive, or abusive acts or practices.” Does this campaign cross that line? Here’s hoping we find out soon."

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In what seems to be an effort to beguile consumers, especially those in the inclination to lavish beyond procuring a roomy fee reimburse, Walmart is giving unrestrained impost training employs for those whose underwrites aren’t sophisticated.
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