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The U.S. Consumer Financial Protection Bureau (CFPB) published a report on consumers' use of "cash back" services. While people use various means of getting cash, one common method is to get "cash back" at a store when making a purchase with a debit or prepaid card. This option may be particularly important in banking deserts and in areas where banks and ATM operators charge significant fees. Retailers are essentially filling a void in access to cash, which has historically been supplied by banks and credit unions in an affordable way, and some retailers charge a fee for these transactions.