Preparer vs. Facilitator: What's the Difference?
Understanding the two registration types and what each one is authorized to do.
What to expect
A tax return preparer is registered to prepare and file your return. A facilitator is registered to offer refund-anticipation products like refund advances or refund transfers. Many professionals hold both registrations.
What the evidence says
New York registers preparers and facilitators separately and lists each registration type in its public data. Refund-anticipation products carry fees that reduce your refund, so it pays to know which role a professional is playing.
Educational summary, not tax or legal advice. Rules change — confirm details with the IRS or a qualified professional.
Red flags to watch for
If you are offered a refund advance, ask for the total fees in writing before agreeing — these products are optional and often cost more than waiting for the IRS.