Federal Reserve Bank of Dallas. March 2022. The Federal Reserve Bank of Dallas (FRBD) analyzed the cause of low EITC take-up rates within eligible communities and found that among all eligible individuals, Latino workers had the lowest take-up rate in comparison to non-Latino white workers. The language barrier and resulting lack of awareness seemed to be the leading causes for the deficit. Per the 2018 American Community Survey, roughly 30% of Texas’s Hispanic residents have difficulty communicating effectively in English, which poses a barrier to understanding the EITC’s complexity.