Even H&R Block's conviction of racketeering back in 2000 did nothing to stop these loans which clearly take advantage of the poor (who often don't have too much on the ball) and people like drug addicts that are desperate for that money right now! Block secures these loans at a 36% interest rate from HSBC Bank (also up on racketeering charges) plus $60 in finance charges. These are clearly loan shark rates.