{"success":true,"data":{"id":"tax-refund-advance-loan-phish","label":"Fake H&R Block, TurboTax, or Jackson Hewitt refund anticipation loan claiming an advance has been approved and requiring bank account verification via email link — advance-fee fraud; real tax preparer advances are offered through authenticated software, not cold email.","description":"Fake H&R Block, TurboTax, or Jackson Hewitt tax preparation service claiming a refund anticipation loan or tax advance has been pre-approved and requiring bank account verification via email link for disbursement — advance-fee fraud targeting tax filers. Real tax refund advance products are offered during the filing process through authenticated tax preparation software and are never promoted via cold email links requesting banking credentials. Distinct from IRS-refund-direct-deposit-phish (IRS impersonation) — this spoofs a commercial tax preparer. Detection: H&R Block/TurboTax/Jackson Hewitt/refund advance loan approved + verify bank/provide account number for tax advance/refund advance disbursement vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +3. Source: GC1-R23; FTC tax advance loan scam advisory; IRS dirty dozen 2025 (refund advance fraud variant).","tier":"danger","category":"phishing","isThin":false}}