H.R. 9330

Earned Wage Access Consumer Protection Act

Sponsor: Bryan Steil · 0 cosponsors

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Official summary

Written by the Congressional Research Service.

Earned Wage Access Consumer Protection Act

This bill addresses the regulation of earned wage access products. Earned wage access products provide consumers with access to their earned wages before their scheduled pay day.

The bill specifies that earned wage access products are not subject to regulation under the Truth in Lending Act (TILA). TILA requires consumer credit products to disclose borrowing costs, finance charges, and the total cost of the loan.

Under the bill, providers of earned wage access products

  • must provide an alternative no-cost option for receiving earned wages if the provider offers an option to receive earned wages for a fee;
  • are prohibited from bringing civil suits or from pursuing collection to compel repayment, except in cases of fraud; and
  • must reimburse the consumer for overdraft fees or penalties imposed on a consumer by their depository institution if incurred because of an error by the provider.

Providers must inform consumers of their rights under an agreement for an earned wage access product and disclose all associated fees before the consumer enters into an agreement. Providers must also inform consumers how to obtain earned wages without paying a fee or tip in a clear and conspicuous manner.

Providers are prohibited from sharing fees or tips with the consumer’s employer. The bill also limits the form of payment providers may accept from consumers and limits certain additional fees for failure to pay.

A provider may not set a default tip at an amount greater than $0 for such services.  

Text of the bill

Expand all
Sec. 3. Conforming amendments Changed · Sep 1

Where this section came from

  1. Jun 18, 2026 · Introduced in House Referred to House Committee on Financial Services, Jun 18
  2. Sep 1, 2026 · Reported in House Marked up by House Committee on Financial Services, Jun 30 Reported by House Committee on Financial Services, Sep 1 Committee members' individual votes aren't in our records.
What changed in the text

… 16 unchanged passages …

(1) in subsection (f), by striking defer its payment and inserting defer its payment, but does not include earned wage access services as defined in the Earned Wage Access Consumer Protection Act .; ; and

… 1 unchanged passage …

What is a markup?

A markup is a committee meeting where members go through a bill and vote on changes before sending it to the full chamber.

(a) Consumer Financial Protection Act of 2010. Section 1002 of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5481) is amended—

(1) in paragraph (12)—

(A) in subparagraph (Q), by striking and at the end;

(B) in subparagraph (R), by striking the period at the end and inserting ; and; and

(C) by adding at the end the following:

Text this section adds to the law

(S) the Earned Wage Access Consumer Protection Act.

; and

(2) in paragraph (15)(A)—

(A) by redesignating clauses (x) and (xi) as clauses (xi) and (xii), respectively; and

(B) by inserting after clause (ix) the following:

Text this section adds to the law

(x) providing earned wage access services, as defined in section 2 of the Earned Wage Access Consumer Protection Act;

(b) Truth in Lending Act. Section 103 of the Truth in Lending Act (15 U.S.C. 1602) is amended—

(1) in subsection (f), by striking defer its payment and inserting defer its payment, but does not include earned wage access services as defined in the Earned Wage Access Consumer Protection Act; and

(2) in subsection (g), by adding at the end the following: The term creditor does not include earned wage access providers as such term is defined in the Earned Wage Access Consumer Protection Act..