Earned Wage Access Consumer Protection Act
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Summary
This bill establishes federal regulations for earned wage access (EWA) services, which allow workers to access a portion of their earned wages before payday. The bill requires EWA providers to offer a no-cost option alongside any fee-based services, mandates detailed disclosures about fees, tips, and access limits before and during transactions, and prohibits aggressive collection practices such as lawsuits, arbitration, or debt collection agencies. The bill also restricts tip solicitation, requires dispute resolution procedures, prevents late fees and credit reporting, and classifies EWA providers as financial institutions subject to privacy protections under the Gramm-Leach-Bliley Act.
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How your representatives voted
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