Wikipedia

H&R Block

Not to be confused with German automobile suspension manufacturing company H&R (company).

H&R Block, Inc., or H&R Block, is an American tax preparation company operating in Canada, the United States, and Australia. The company was founded in 1955 in Kansas City, Missouri, by brothers Henry W. Bloch and Richard Bloch.

H&R Block, Inc.
Company typePublic
FoundedJanuary 25, 1955; 69 years ago (1955-01-25), in Kansas City, Missouri, U.S.
Founder
HeadquartersKansas City, Missouri, U.S.
Area served
  • United States
  • Canada
  • Australia
Key people
Products
RevenueIncrease US$3.61 billion (2024)
Increase US$805 million (2024)
Increase US$595 million (2024)
Total assetsIncrease US$3.22 billion (2024)
Total equityIncrease US$90.6 million (2024)
Number of employees
  • 4,200 (full-time; 2024)
  • 70,900 (including seasonal)
Websitehrblock.com
Footnotes / references
[1]

As of 2018, H&R Block operates approximately 12,000 retail tax offices staffed by tax professionals worldwide. The company offers payroll, and business consulting services, consumer tax software, and online tax preparation/electronic filing from their website.

History

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Founding

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During World War II, Henry W. Bloch was a young Army Air Forces navigator who wanted to start a family business with his brothers in Kansas City.[2] Home from the war in 1946, Henry saw a pamphlet suggesting a bright future for companies serving small businesses, and it sparked his imagination.[2] That year, Henry and his older brother, Leon, borrowed $5,000 and opened a small bookkeeping business on Main Street in downtown Kansas City.[2] However, four months later, they had few clients and Leon decided to seek a law degree.[2]

Henry wanted to keep trying with the fledgling business and placed a newspaper advertisement for help-wanted.[2] He got an unexpected response—from his mother—who proposed that Henry hire his younger brother, Richard, for the job.[2] Henry and Richard Bloch jointly ran their United Business Company, which focused on accounting, bookkeeping and payroll, but also did some income tax work for clients.[3] The brothers took out an ad for its $5 tax services in The Kansas City Star newspaper in 1955. The ad was a success and H&R Block was born.[4][5] The Bloch brothers chose to spell the name "Block" with a K to ensure the name is not mispronounced "blotch".[4][6]

Expansion (1956–1980s)

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In 1956, the Blochs decided to expand and picked New York City.[5] Neither brother wanted to move to New York, so they agreed to sell that regional operation, creating the first H&R Block franchise tax office.[7] In the following years, H&R Block grew and went public in 1962.[4]

In 1980 H&R Block purchased the Compuserve online service.[8] By 1986, Block was handling more than 10 million tax returns annually and had opened offices in Canada and Australia.[9][10][11] That year, the company worked with the Internal Revenue Service to introduce electronic filing.[12]

Recent history

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An H&R Block in Gillette, Wyoming

H&R Block acquired MECA Software, a 1980s PFM company that created the TaxCut software, in 1993.[13] In 1995, H&R Block sold MECA,[14] but retained TaxCut.[15]

The company began to expand in the 1990s into the financial services arena, offering mortgage loans,[16] banking and business services.[17] H&R Block purchased Olde Discount Stockbrokers in 1999[18] and operated as a full-service securities broker-dealer under the name H&R Block Financial Advisors. In 2008, the company sold its H&R Block Financial Advisors unit to Ameriprise Financial for $315 million.[19] At the time, the unit managed $30 billion in assets and employed 900 financial advisors in the U.S.[19]

RSM McGladrey Business Solutions was created in 1999 when H&R Block acquired the assets of McGladrey & Pullen, aside from its auditors and attest services which remained under ownership of McGladrey's partners.[20][21] Following the acquisition H&R Block became the sixth-largest accounting firm in the U.S.[20] McGladrey had 100 offices in 25 states and offered accounting, consulting, tax services, and international business services to mid-sized companies. Through an alliance with McGladrey & Pullen and other accountancies, the Block subsidiary operated in 70 countries under the RSM International name. In 2011, H&R Block sold the unit back to McGladrey & Pullen.[22]

H&R Block hired Jeff Jones, a former Target Corporation and Uber executive, as president and CEO on October 9, 2017.[23][24] He replaced Tom Gerke, who was interim CEO following the retirement of former CEO Bill Cobb.[23][25] Jones has said he sees H&R Block as a financial services company and a retail company, and aims to grow the company.[25][24]

H&R Block started its first Global Technology Center in India in October 2017. This was created with the vision to grow H&R Block's Product Engineering and IT Solutions Development platforms. It is located in Technopark, Trivandrum, Kerala.[citation needed]

H&R Block announced in June 2019 that it would acquire Wave Financial, a Canadian financial technology company offering bookkeeping, accounting, and payroll services for small businesses.[26] H&R Block acquired Wave for US$405 million (C$537 million).[27][28] Wave operates as an independent subsidiary by Wave CEO Zahir Khoja from Toronto, Ontario.[27]

Controversies

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H&R Block's own taxes 2005

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In August 2005, H&R Block announced that it had overstated its earnings for 2003 and 2004 by $91.1 million. The company stated that it had "insufficient resources" to identify and report complex transactions in its corporate tax accounting. On February 23, 2006, the company said in its quarterly results that it had miscalculated its own state income taxes for 2005 and 2004, and that it owed an additional $32 million in back taxes.[29][30]

Social Security numbers 2005

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In December 2005, H&R Block sent its customers free copies of its TaxCut software, and the mailing labels on the packages mistakenly included the recipients' Social Security numbers. The company said it sent the promotional mailing to former customers and people whose names were taken from purchased lists. It said it is legally required to hold on to customers' tax information, including Social Security numbers, for three years. H&R Block said no customer data has been lost or stolen as a result of the mistake, and that less than 3 percent of the mailings were involved.[31]

Refund anticipation loans 2006

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California Attorney General Bill Lockyer sued H&R Block in February 2006, alleging the company's refund anticipation loan (RAL) business violated state and federal laws in its marketing and providing of high-cost RALs mainly to low-income clients. The lawsuit also alleged Block received a "substantial portion of the loan fees", in some cases purchasing up to 49.9 percent of the loans, and further alleged that H&R Block at times held onto a customer's tax refund for purposes of paying off RAL-related debt from previous years, including that claimed by other banks or tax preparers. The complaint stated, "Therefore, Block clients who are claimed to owe debt from a prior year are led to expect a loan, but instead find themselves in a collection proceeding."[32]

The company responded that it "believes the refund lending program is both fair and legal, and will vigorously defend against the complaint". On January 2, 2009, California Attorney General Edmund G. Brown Jr. reached a $4.85 million settlement with H&R Block, which prohibits the company from deceptively marketing high-cost refund anticipation loans as early "tax refunds". The company set aside $2.45 million in restitution for customers if they purchased a "refund anticipation loan" or a "refund anticipation check" through H&R Block between January 1, 2001 and December 31, 2008. In addition, H&R Block agreed to pay $500,000 in penalties and $1.9 million in fees and costs.[33][34] In 2011, H&R Block ceased offering RALs altogether, a move praised by consumer rights activists.[35]

Express IRA 2006

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On March 16, 2006, New York Attorney General Eliot Spitzer sued H&R Block, accusing the company of deceptive marketing of its Express IRA retirement accounts. The lawsuit alleged the company assessed fees, including set-up fees, annual fees, and account closing fees that, for 85% of account holders, resulted in the account losing money.[36] However, in July 2007, a New York state judge dismissed much of the lawsuit.[37] Justice Karla Moskowitz of the State Supreme Court excused Block and five of its units from the lawsuit. She let stand the portion of the complaint concerning another unit, H&R Block Financial Advisers, but dismissed allegations of common law fraud. At the time of the ruling, H&R Block said it believed the remaining assertions lacked merit and that it would appeal. On January 6, 2009, a New York state appeals court overruled trial justice Karla Moskowitz's July 2007 ruling and reinstated the lawsuit against H&R Block Inc that accused the company of fraudulently marketing Express IRA retirement accounts to hundreds of thousands of lower-income clients nationwide.[38] The matter was settled in 2009, and H&R Block agreed to pay $11.4 million to $19.4 million of fees to customers and $750,000 in fees and other costs.[39]

Corporate affairs

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H&R Block office in Ontario

H&R Block is a company headquartered in Kansas City, Missouri, governed by an 11-member board of directors and led by CEO Jeff Jones and CFO Tony Bowen.[40][41] It employs around 2,700 regular full-time employees and up to 90,700 seasonal employees, generating over $3 billion in revenue annually. It also runs The Tax Institute at H&R Block.[42][43]

Marketing

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H&R Block has undertaken several high-profile marketing campaigns featuring celebrities such as Jon Hamm and Anthony Davis, with the most recent campaign during the 2017 Super Bowl featuring IBM Watson at its retail locations.[44][45][46][47] In 2024, the company launched the spoof miniseries "responsibility island", combining taxes and reality tv. The company stated its goal was to attract new customers from generation z.[48]

Corporate social responsibility

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The company partners with Military One Source, which lets members of the military service file for free.[49]

As part of its corporate social responsibility initiatives, in 2014 H&R Block launched an online game for high school students called the Budget Challenge.[50] The challenge is part of the company's Dollars & Sense financial literacy effort, and offers college scholarships for teenage students who win the game.[51]

Business areas

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Retail and digital tax services

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H&R Block has 70,000 employees[52] in its 10,000 U.S. retail tax offices.[53] In addition to the company's traditional retail tax offices, it offers digital tax preparation programs and software. It filed 23 million tax returns worldwide in 2016.[54][55]

The company's services Tax Pro Review and Tax Pro Go were launched in 2017.[56] Tax Pro Review is an updated version of its former service Best of Both, where clients enter their information and do their returns online and are matched with Block tax professional reviews for help.[56] H&R Block Tax Pro Go is marketed to online filers who do not want to or cannot visit an H&R Block office.[57]

H&R Block's tax software comes in different versions. In addition to the free edition, there are Deluxe, Premium and Self-Employed editions. Users can log on using various devices, import photos of their W-2 forms and use a searchable knowledge base. The Deluxe and Premium editions include free online chat with a tax professional.[58]

 
H&R Block Tax Service – March 2013

Block Advisors

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In January 2016, H&R Block launched Block Advisors, a service that provides year-round consumer tax preparation.[59] The company has opened about 350 Block Advisor offices.[60] Its advisors include certified public accountants, enrolled agents, or have been certified by H&R Block as master tax advisors.[61]

Partnerships

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In 2014, the company formed a strategic alliance with Xero. As part of this alliance, H&R Block will exclusively promote Xero as its preferred small business online accounting solution. H&R Block has 11,000 branded locations nationwide, and will recommend Xero in the locations that sell H&R Block's Small Business Program suite of services.

The company signed a deal with Walmart in 2018, to make H&R Block software the only desktop tax preparation software sold at the retailer's stores.[62] H&R Block also created a deal with Amazon.com in 2017 for better product placement of its suite of software products.[63]

In 2017, H&R Block partnered with IBM to bring IBM Watson technology into its retail offices. Under the partnership, H&R Block tax pros received access to IBM's artificial intelligence system to help tax pros prepare better tax returns for clients.[64][65]

In 2018, H&R Block partnered with LendingTree to allow customers credit score access via MyBlock.[66][67]

As of 2022, H&R Block's tax preparation service shares user data with Facebook, which can be used for targeted advertising. This can include sensitive financial information from health savings accounts and college expenses, and this tax data is shared without consent even for users who opt out of the service.[68]

Other products and services

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H&R Block office, Ypsilanti, Michigan

Following research on the potential expat market in 2013, H&R Block began its Expat Tax Services program to offer tax advice to U.S. citizens living outside the country.[69]

H&R Block maintains financial services products, including the Emerald Card pre-paid debit card[70] and Emerald Advance line of credit.[71] Additionally, the company's Tax Identity Shield offers identity theft protection.[72]

H&R Block Bank

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H&R Block Bank was chartered in 2006. In September 2015, it was sold to Axos Financial, which serviced Emerald cards until 2020.[73][74][75]

References

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  1. ^ "US SEC: Form 10-K, H&R Block, Inc". U.S. Securities and Exchange Commission. August 15, 2024. Retrieved August 16, 2024.
  2. ^ a b c d e f henrybloch.com Archived 2013-06-05 at the Wayback Machine, Many Happy Returns, Thomas M. Bloch, 2010.
  3. ^ Dornbrook, James (6 August 2014). "H&R Block turns attention to small biz accounting services". Kansas City Business Journal. Retrieved 26 February 2018.
  4. ^ a b c Tavernise, Sabrina (22 July 2004). "Richard Bloch, 78, businessman who helped create H&R Block". The New York Times. Retrieved 21 February 2018.
  5. ^ a b "H&R Block founder to retire". CNNMoney. 21 June 2000. Retrieved 21 February 2018.
  6. ^ Hoffer, William (1987). "Bloch that IRS return – H&R Block Inc.'s income tax preparation service". Nation's Business. Archived from the original on 2005-01-05.
  7. ^ Bianca Herron (27 March 2017). "H&R Block". Franchising Today. Retrieved 21 February 2018.
  8. ^ "International company news: H&R Block". The Globe and Mail. 26 February 1980. Retrieved 21 February 2018. Directors of H and R Block Inc. of Kansas City, Mo., and Compuserve Inc. of Columbus, Ohio, have approved the acquisition of Compuserve by a subsidiary of Block.
  9. ^ Grove, Lloyd (4 April 1986). "H&R". The Washington Post. Retrieved 21 February 2018.
  10. ^ Brett, George (6 April 1986). "Mixed news on tax front". Toronto Star. Retrieved 21 February 2018. But annuity broker Tom Delaney was surprised to find that H & R Block Canada Inc., the big tax-preparation firm, had completed a tax return for one of his senior-citizen clients—and charged her $20.80—even though she wasn't taxable and wasn't getting money back.
  11. ^ Lampe, Anne (8 August 1990). "How to avoid the clutches of the rogue tax agent". Sydney Morning Herald. Retrieved 21 February 2018. This is what happened with a group of clients of H & R Block's former Brookvale franchisee during 1986, 1987 and 1988.
  12. ^ Mace, Scott (25 November 1985). "IRS test project allows electronic tax returns". InfoWorld. Retrieved 21 February 2018. H&R Block Inc. of Kansas City, Missouri, is the first tax preparation service to announce participation in the IRS project. Between January 1 and April 15 of next year, customers of designated H&R Block offices can use H&R Block's Rapid Refund service, said Thomas Bloch, president of tax operations for the firm. Such customers have the option of either paying H&R Block to prepare the return or bringing in one already prepared.
  13. ^ Schifrin, Matthew (6 December 1993). "H&R Block's crown jewel". Forbes. Retrieved 22 February 2018. Anderson has gotten the company moving fast in the new direction. In October, Block announced it would pay $ 44 million for ailing Fairfield, Conn.-based MECA Software, Inc., a company whose main products include TaxCut, Andrew J. Tobias' Managing Your Money and Fidelity Online Express.
  14. ^ Fisher, Lawrence M. (11 May 1995). "2 banks to buy Meca Software for personal financial program". The New York Times. Retrieved 22 February 2018.
  15. ^ "H&R Block sells personal finance software holding". The New York Times. 29 March 1995. Retrieved 22 February 2018.
  16. ^ Hallinan, Joseph T. (12 November 2002). "H&R Block faces issues with mortgage business". The Wall Street Journal. Retrieved 22 February 2018. Bears contend that Block has limited experience in the mortgage business. It bought Option One in 1997, and Option One in Irvine, Calif., has itself been in business only since 1993.
  17. ^ "Block has first-quarter losses of $37.1 million". Associated Press. 19 August 1999. Retrieved 22 February 2018. In June, Block purchased McGladrey & Pullen LLP, the nation's seventh-largest accounting firm, for $ 240 million. The company said that purchase has pushed revenue for its business services to $ 24.2 million during the first quarter, compared to $ 1.3 million last year. Including McGladrey & Pullen, H&R Block has acquired eight accounting firms since May 1998.
  18. ^ "H&R Block buys discount broker". Associated Press. 1 December 1999. Retrieved 22 February 2018. Tax preparer H&R Block has completed its $850 million purchase of Olde Financial Corp., the nation's fourth-largest discount broker.
  19. ^ a b "H&R Block sells brokerage business to Ameriprise". The New York Times. 13 August 2008. Retrieved 22 February 2018.
  20. ^ a b "H&R Block to buy McGladrey & Pullen Cash, debt deal to make tax giant 6th-largest U.S. accounting firm". The Globe and Mail. 30 June 1999. Retrieved 26 February 2018. H&R Block Inc. announced that it is buying McGladrey & Pullen LLP, a Bloomington, Minn. accounting firm, effectively making the tax preparation giant the sixth-largest U.S. accounting firm.
  21. ^ Michael Cohn (9 December 2009). "RSM McGladrey, H&R Block, McGladrey & Pullen Expected to Announce Deal". Accounting Today. Retrieved 10 April 2018.
  22. ^ Kansas City Business Journal | date=Dec. 1, 2011
  23. ^ a b "H&R Block names former Uber executive Jeff Jones as CEO". Reuters. 22 August 2017. Retrieved 14 December 2017.
  24. ^ a b Davis, Mark (22 August 2017). "H&R Block taps former Uber president Jeff Jones as CEO". The Kansas City Star. Retrieved 14 December 2017.
  25. ^ a b Dornbrook, James; Kaberline, Brian (22 August 2017). "H&R Block names former Uber president as its new CEO". Kansas City Business Journal. Retrieved 14 December 2017.
  26. ^ Otani, Akane (June 11, 2019). "Tax Prep Giant H&R Block Rides the Wave". The Wall Street Journal. Retrieved December 11, 2019.
  27. ^ a b Gagliordi, Natalie (June 11, 2019). "H&R Block to acquire Canadian fintech startup Wave". ZDNet. Retrieved December 11, 2019.
  28. ^ "H&R Block buys Toronto accounting software firm Wave Financial for $537M". The Canadian Press. June 11, 2019. Retrieved December 11, 2019.
  29. ^ "Financial Statements and Supplementary Data". United States Securities and Exchange Commission. Retrieved 2011-11-14.
  30. ^ "H&R Block Flubs Its Own Taxes". Fox News. 2011-10-21.
  31. ^ Twiddy, David (2006-01-04). "H&R Block makes error in software mailing". USA Today. Retrieved 2011-11-14.
  32. ^ "Attorney General Lockyer Files Lawsuit Against H&R Block for Illegally Marketing and Selling High-Cost Loans as 'Instant' Tax Refunds", Press release from the Office of California Attorney General, Feb. 15, 2006.
  33. ^ Jerry LaMartina (2006-02-15). "AG sues H&R Block over refund-anticipation loans". Sacramento Business Journal. Retrieved 2011-11-14.
  34. ^ "Attorney General Brown Reaches Agreement with H&R Block Prohibiting Deceptive Marketing of Tax Refund Loans" (Press release). Office of the Attorney General, State of California Department of Justice. 2009-01-02. Retrieved 2011-11-14.
  35. ^ "Consumer Advocates Applaud H&R Block Decision to Forego RALs and Urge Republic, Jackson Hewitt and Liberty to Stop Making High Cost Loans" (PDF) (Press release). Consumer Federation of America. 2011-09-14.
  36. ^ Spitzer brings fraud suit against H&R Block, CNN Money, David Ellis, March 16, 2006. "... One unnamed 32-year-old from Albany, NY resident cited in the complaint opened an Express IRA account in 2002 with the minimum contribution of $300. The account earned $10.29 in interest over the past four years; the account holder paid $45 in fees over that same period of time... "
  37. ^ "Judge Mostly Clears Block". The New York Times. 2007-07-13. Retrieved 2011-11-14.
  38. ^ "N.Y. court reinstates IRA lawsuit against H&R Block". Reuters. 2009-01-08. Retrieved 2011-11-14.
  39. ^ Stempel, Jonathan (4 January 2010). "H&R Block settles nationwide IRA lawsuit". Reuters. Retrieved 1 March 2018.
  40. ^ LaMartina, Jerry (2 August 2004). "KC will break ground Sept. 15 on Block HQ". Kansas City Business Journal. Retrieved 22 February 2018.
  41. ^ "Board of directors". H&R Block. Retrieved 22 February 2018.
  42. ^ "US SEC: Form 10-K, H&R Block, Inc". U.S. Securities and Exchange Commission. Retrieved June 17, 2018.
  43. ^ Snider, Susannah (7 February 2018). "Everything you should know about tax refunds". U.S. News & World Report. Retrieved 22 February 2018.
  44. ^ Birkner, Christine (10 January 2017). "H&R Block's CMO on Jon Hamm and why he's the perfect tax-season spokesperson". Adweek. Retrieved 23 February 2018.
  45. ^ Zillgitt, Jeff (20 December 2015). "Pelicans' Anthony Davis lands new endorsement deal with H&R Block". USA Today. Retrieved 25 February 2018.
  46. ^ Pasquarelli, Adrianne (2 February 2017). "H&R Block's Super Bowl pitch: Now Watson can do your taxes". Advertising Age. Retrieved 26 February 2018.
  47. ^ Tompor, Susan (1 February 2017). "H&R Block teams with IBM Watson to tackle tax returns". Detroit Free Press. Retrieved 26 February 2018.
  48. ^ Laporte, Nicole. "BrandStorytelling BrandVoice: Dive Into 'Responsibility Island' From H&R Block". Forbes. Retrieved 2024-02-22.
  49. ^ Lisa Ferdinando (17 January 2016). "Free tax services available to military members, families". U.S. Department of Defense. Retrieved 26 February 2018.
  50. ^ Kadlec, Dan (September 9, 2014). "Ace a Personal Finance Game, Win a College Scholarship". Money.com. Archived from the original on August 15, 2020. Retrieved 22 February 2018.
  51. ^ McCabe, Sean (31 August 2016). "H&R Block rolls out 'Budget Challenge' game for 2016, offers $200K in college scholarships". Accounting Today. Retrieved 22 February 2018.
  52. ^ DePillis, Lydia (19 October 2017). "Trump's tax plan isn't as big of a threat to H&R Block as he says". CNNMoney. Retrieved 26 February 2018.
  53. ^ H&R Block opens offices early, Accounting Today, 2 January 2018
  54. ^ Schaust, Sam (22 August 2017). "Target's Former Chief Marketing Officer to Become CEO of H&R Block". Twin Cities Business Magazine. Retrieved 26 February 2018.
  55. ^ Steverman, Ben (24 January 2017). "Who Won the Battle for Cheapest Tax Prep in 2017?". Bloomberg LP. Retrieved 26 February 2018.
  56. ^ a b Cohn, Michael (8 December 2017). "H&R Block plans new tax pro services". Accounting Today. Retrieved 26 February 2018.
  57. ^ Davis, Mark (6 December 2017). "H&R Block targets customer gains over price increases for upcoming tax season". Kansas City Star. Retrieved 26 February 2018.
  58. ^ Tina Orem (26 January 2018). "H&R Block Tax Software Review 2017". NerdWallet. Retrieved 26 February 2018.
  59. ^ Berg, Joel (15 January 2016). "Tax season opens with a 'new' player". Central Penn Business Journal. Retrieved 27 February 2016.
  60. ^ Isaac M. O'Bannon (19 January 2017). "In 2nd Year, Block Advisors Has 347 Tax and Accounting Offices, Partnership with Xero". CPA Practice Today. Retrieved 26 February 2018.
  61. ^ Greenberg, Gregg (16 February 2016). "H&R Block's ambitious plans for new advisors brand". TheStreet.com. Retrieved 26 February 2018.
  62. ^ Franck, Thomas (16 January 2018). "Shares of H&R Block jump after it announces an exclusive partnership with Walmart". CNBC. Retrieved 26 February 2018.
  63. ^ Dornbrook, James (6 December 2017). "H&R Block brings on Amazon, Wal-Mart as retail partners for tax season". Kansas City Business Journal. Retrieved 26 February 2018.
  64. ^ Lohr, Steve (1 February 2017). "IBM gives Watson a new challenge: Your tax return". The New York Times. Retrieved 26 February 2018.
  65. ^ Vanian, Jonathan (1 February 2017). "H&R Block Is Enlisting IBM's Watson To Help With Your Taxes". Fortune. Retrieved 26 February 2018.
  66. ^ Stimpson, Jeff (13 March 2018). "Block to offer clients credit scores and analysis". Accounting Today. Retrieved 22 March 2018.
  67. ^ "Block grows portal with LendingTree features". Banking Exchange. 13 March 2018. Retrieved 22 March 2018.
  68. ^ Lecher, Colin (2022-11-22). "Tax filing websites have been sending users' financial information to Facebook". The Verge. Retrieved 2022-11-27.
  69. ^ Burggraf, Helen (1 April 2015). "On the Trail of the Elusive U.S. Expat Taxpayer". The Wall Street Journal. Retrieved 26 February 2018.
  70. ^ Dornbrook14, James (28 January 2014). "H&R Block partnership expands Emerald Card network". Kansas City Business Journal. Retrieved 26 February 2018.{{cite news}}: CS1 maint: numeric names: authors list (link)
  71. ^ Dornbrook, James (16 November 2016). "H&R Block: Government will delay refunds for millions". Kansas City Business Journal. Retrieved 26 February 2018.
  72. ^ Tompor, Susan (11 February 2016). "Don't give fraudsters a hand filing a fake tax return". Detroit Free Press. Retrieved 26 February 2018.
  73. ^ Davis, Mark (1 September 2015). "H&R Block sheds bank and unveils $3.5 billion stock buyback plan". Kansas City Star. Retrieved 26 February 2018.
  74. ^ Dornbrook, James (5 August 2015). "After long delay, regulators approve H&R Block Bank sale". American City Business Journals.
  75. ^ Kaberline, Brian (July 8, 2020). "H&R Block will take its Emerald Card to greener pastures". American City Business Journals.
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