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Federally regulated banks were forced out of the RAL business, and in 2012, only one still made the loans. Cash-strapped consumers, though, still want refunds fast, experts say -- especially this year.

He watches her and the baby through a small control window open on his Windows PC, then he decides to have a little fun. He can hide their Windows "Start" button or the taskbar or the clock or the desktop, badly confusing many casual Windows users. Instead, he settles for popping open the remote computer's optical drive. "It would be funny if one of these slaves venture into learning how to hack and comes across this thread."Whether this would in fact be "funny" is unlikely.

Since the IRS delayed the start of tax season by over a week in 2013, due to last-minute tax code changes by Congress, consumers desperate to get money for rent or medical bills will be in even more of a bind, he says.

Also, consumers claiming certain education tax credits will have to wait about two weeks longer (around mid-February) to file.

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