collection_limits stringlengths 93 195 ⌀ | derived_fields listlengths 1 1 | free_option_required stringclasses 9
values | id stringlengths 23 92 | late_fees_prohibited stringlengths 55 164 ⌀ | licensing_requirement stringclasses 8
values | product_classification stringclasses 7
values | source stringlengths 45 108 | source_quote stringlengths 182 570 | state stringlengths 4 14 | statute_citation stringlengths 16 95 | url stringlengths 89 158 | verified_fields listlengths 1 5 | effective_date stringclasses 5
values | fee_caps stringclasses 2
values |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
provider shall not compel repayment by civil suit, third-party collector, or sale to debt buyer; shall not report to consumer credit reporting agency | [
"statute_citation"
] | yes — provider must offer consumer at least one option to receive proceeds at no cost | 2024-session-laws-ch-64-hb-2560-43-58-kansas-earned-wage-access-services-act-kansas | yes — provider shall not charge a late fee, a deferral fee, interest or any other penalty or charge for failure to repay outstanding proceeds | registration required with the Office of the State Bank Commissioner | not a loan or other form of credit; not money transmission | https://www.sos.ks.gov/publications/sessionlaws/2024/Chapter-64-HB-2560.html | Earned wage access services provided by a registrant in accordance with this chapter shall not be considered to be: (A) A loan or other form of credit or the registrant a creditor or lender with respect thereto; (B) in violation of or noncompliant with the laws of this state governing the sale or assignment of, or an o... | Kansas | 2024 Session Laws, Ch. 64 (HB 2560), §§ 43–58 (Kansas Earned Wage Access Services Act) | https://referencesource.org/state-earned-wage-access-regulations/2024-session-laws-ch-64-hb-2560-43-58-kansas-earned-wage-access-services-act-kansas/ | [
"product_classification",
"state"
] | null | null |
provider shall not compel payment by civil suit, third-party collector, or sale to debt buyer | [
"statute_citation"
] | yes — provider shall offer to a consumer at least one reasonable option to obtain proceeds at no cost to the consumer | ark-code-ann-23-52-201-through-23-52-204-act-347-of-2025-hb-1517-arkansas | yes — provider shall not charge a consumer a late fee, deferral fee, interest, or any other penalty or charge for failure to pay outstanding proceeds | null | not a loan; not money transmission; not debt collection | https://arkleg.state.ar.us/Home/FTPDocument?path=%2FBills%2F2025R%2FPublic%2FHB1517%2FHB1517030620251338.pdf | not be deemed to be engaging in lending, money 31 transmission, or debt collection in this state, or in violation of the laws 32 of this state governing the sale of, assignment of, or an order for earned 33 but unpaid income, if the provider: 34 (1) Complies with the requirements of this section | Arkansas | Ark. Code Ann. §§ 23-52-201 through 23-52-204 (Act 347 of 2025, HB 1517) | https://referencesource.org/state-earned-wage-access-regulations/ark-code-ann-23-52-201-through-23-52-204-act-347-of-2025-hb-1517-arkansas/ | [
"product_classification",
"state"
] | null | null |
provider shall not compel payment by civil suit, outbound calls, third-party collector, or sale to debt buyer; shall not report to consumer reporting agency or debt collector any failure to repay | [
"statute_citation"
] | yes — whenever the provider offers a consumer the option to receive proceeds for a fee, offer at least one reasonable option to obtain proceeds at no cost | ic-28-8-6-indiana-earned-wage-access-act-hea-1125-of-2025-indiana | yes — provider shall not charge or collect a late fee, a deferral fee, interest, or any other charge or penalty for a consumer's failure to pay outstanding proceeds | license required from the Department of Financial Institutions, Division of Consumer Credit | not a loan or other form of credit or debt; not money transmission | https://iga.in.gov/pdf-documents/124/2025/house/bills/HB1125/HB1125.04.ENRS.pdf | earned wage access services offered or provided by a licensee in accordance with this chapter are not considered to be any of the following: (1) A violation of, or noncompliance with, any Indiana law governing deductions from payroll, salary, wages, compensation, or other income. (2) A violation of, or noncompliance wi... | Indiana | IC 28-8-6 (Indiana Earned Wage Access Act, HEA 1125 of 2025) | https://referencesource.org/state-earned-wage-access-regulations/ic-28-8-6-indiana-earned-wage-access-act-hea-1125-of-2025-indiana/ | [
"product_classification",
"state"
] | January 1, 2026 | null |
provider shall not compel repayment by civil suit, outbound calls, third-party collector, or sale to debt buyer | [
"statute_citation"
] | yes — whenever provider offers consumer the option to receive proceeds for a fee or solicits a tip, must provide at least one reasonable option to obtain the same amount of proceeds at no cost | la-rev-stat-9-3591-1-through-9-3591-7-act-no-496-hb-368-2025-louisiana | yes — provider shall not charge a late fee, deferral fee, interest, or any other charge for failure to repay outstanding proceeds | null | not a loan; not money transmission; not debt collection | https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1427687 | not deemed to be engaging in lending, a money 24 transmission, or a debt collection in this state or in violation of the laws of this state 25 relating to the payment of minimum or overtime wages, deductions from payroll, 26 salary, wages, compensation or other income, or the sale or assignment of, | Louisiana | La. Rev. Stat. §§ 9:3591.1 through 9:3591.7 (Act No. 496, HB 368, 2025) | https://referencesource.org/state-earned-wage-access-regulations/la-rev-stat-9-3591-1-through-9-3591-7-act-no-496-hb-368-2025-louisiana/ | [
"product_classification",
"state"
] | null | null |
null | [
"statute_citation"
] | yes — provider shall offer a reasonable option to obtain earned wage access at no cost | md-commercial-law-12-1501-through-12-1507-ch-847-hb-1294-2025-maryland | null | consumer loan license required under Title 11, Subtitle 2 of the Financial Institutions Article | earned wage access is a loan subject to the Maryland Consumer Loan Law; not money transmission | https://mgaleg.maryland.gov/2025RS/chapters_noln/Ch_847_hb1294T.pdf | subjecting certain earned wage access products to the Maryland Consumer Loan Law and other provisions that regulate entities that provide consumer credit, revolving credit, and closed end credit | Maryland | Md. Commercial Law §§ 12-1501 through 12-1507 (Ch. 847, HB 1294, 2025) | https://referencesource.org/state-earned-wage-access-regulations/md-commercial-law-12-1501-through-12-1507-ch-847-hb-1294-2025-maryland/ | [
"product_classification",
"state"
] | October 1, 2025 | $5.00 for any advance of proceeds equal to or less than $75.00; $7.50 for any advance of proceeds greater than $75.00 |
provider shall not compel repayment through civil suit, third-party collector, or sale to debt buyer; shall not report to consumer credit reporting agency or debt collector | [
"statute_citation"
] | null | mo-rev-stat-361-749-missouri | yes — provider shall not charge interest for failure to repay outstanding proceeds | license required from the Missouri Division of Finance | not a loan or other form of credit; not money transmission | https://revisor.mo.gov/main/OneSection.aspx?section=361.749 | A loan or other form of credit, and the provider shall not be considered a creditor or a lender; (c) Money transmission, and the provider shall not be considered a money transmitter; | Missouri | Mo. Rev. Stat. § 361.749 | https://referencesource.org/state-earned-wage-access-regulations/mo-rev-stat-361-749-missouri/ | [
"product_classification",
"state"
] | August 28, 2023 | null |
provider shall not compel payment by civil action, third-party collector, or sale to debt buyer; shall not report to consumer agency or debt collector | [
"statute_citation"
] | null | nrs-chapter-604d-nevada | yes — provider shall not charge a late fee, deferral fee, interest or any other penalty or charge for failure to pay outstanding proceeds | license required from the Commissioner of Financial Institutions | not a loan or other form of credit; not money transmission | https://www.leg.state.nv.us/nrs/NRS-604D.html | Any earned wage access services provided by a licensee in compliance with this chapter to be deemed: ������������ (1) A loan or other form of credit; ������������ (2) As violating or noncompliant with the laws of this State governing the sale or assignment of, or an order of, earned but unpaid income; or ��... | Nevada | NRS Chapter 604D | https://referencesource.org/state-earned-wage-access-regulations/nrs-chapter-604d-nevada/ | [
"state"
] | null | null |
prohibits pursuing unpaid amounts through lawsuits or collections; prohibits accepting repayment through credit card | [
"statute_citation"
] | yes — obligates providers to offer ways to receive no-cost advances | public-act-25-155-sb-1396-an-act-concerning-earned-but-unpaid-wage-or-salary-inc-connecticut | yes — prohibits charging late fees or any other penalty | null | distinct product category; exempt from existing APR caps | https://portal.ct.gov/dob/legislation/legislation/2025-banking-and-related-legislation | Exempts earned but unpaid wage or salary income advances from existing APR caps and limits the total finance charge to $4 per transaction fee cap or $30 monthly fee cap; Obligates earned wage access providers to give certain disclosures, verify earned but unpaid wage or salary income and offer ways to receive no-cost a... | Connecticut | Public Act 25-155 (SB 1396), An Act Concerning Earned But Unpaid Wage or Salary Income Advances | https://referencesource.org/state-earned-wage-access-regulations/public-act-25-155-sb-1396-an-act-concerning-earned-but-unpaid-wage-or-salary-inc-connecticut/ | [
"collection_limits",
"fee_caps",
"free_option_required",
"late_fees_prohibited",
"state"
] | October 1, 2025 | $4 per transaction fee cap or $30 monthly fee cap |
provider shall not compel repayment through civil suit, third-party collector, or sale to debt buyer | [
"statute_citation"
] | yes — provider shall offer to the consumer at least one reasonable option to obtain proceeds at no cost to the consumer | s-c-code-ann-39-5-810-through-39-5-870-act-no-190-r188-s700-south-carolina | yes — no person shall charge a late fee, interest, or any other penalty or charge for failure to repay outstanding proceeds | registration required with the South Carolina Department of Consumer Affairs | not a consumer loan; not a loan; not money transmission | https://www.scstatehouse.gov/sess125_2023-2024/bills/700.htm | Proceeds provided to a consumer by the provider shall not be considered a consumer loan for purposes of Section <https://www.scstatehouse.gov/code/t37c003.php#37-3-104> 37-3-104 or a loan for purposes of Section <https://www.scstatehouse.gov/code/t37c003.php#37-3-106> 37-3-106 . | South Carolina | S.C. Code Ann. §§ 39-5-810 through 39-5-870 (Act No. 190, R188, S700) | https://referencesource.org/state-earned-wage-access-regulations/s-c-code-ann-39-5-810-through-39-5-870-act-no-190-r188-s700-south-carolina/ | [
"product_classification",
"state"
] | November 21, 2024 | null |
provider may not compel repayment by civil lawsuits, outbound calls, third-party collections, or debt sales | [
"statute_citation"
] | yes — provider shall offer at least one no-fee option to receive funds | utah-code-13-75-101-through-13-75-106-h-b-279-2025-utah | yes — provider may not charge a consumer a fee, interest, or any other penalty for failure to repay outstanding proceeds | registration required with the Division of Consumer Protection | not a loan or other form of credit or debt; not money transmission | https://le.utah.gov/Session/2025/bills/enrolled/HB0279.pdf | (b) is not offering a loan or other form of credit or debt, if the provider is not a creditor, 269 a debt collector, or a lender; or 270 (c) is not offering a money transmission, if the provider is not a money transmitter. 271 (2) Fees, voluntary tips, gratuities, or other donations paid to the provider, in accordance ... | Utah | Utah Code §§ 13-75-101 through 13-75-106 (H.B. 279, 2025) | https://referencesource.org/state-earned-wage-access-regulations/utah-code-13-75-101-through-13-75-106-h-b-279-2025-utah/ | [
"effective_date",
"product_classification",
"state"
] | May 7, 2025 | null |
provider may not compel payment through a suit or use of a 3rd party to pursue collection, and may not report to a consumer reporting agency or debt collector (s. 203.04(2)(e)-(f)) | [
"statute_citation"
] | yes — offer to the consumer at least one reasonable option to obtain proceeds at no cost to the consumer (s. 203.04(1)(b)) | wis-stat-ch-203-2023-act-131-wisconsin | yes — a provider may not charge a late fee, deferral fee, interest, or any other penalty or charge for failure to pay outstanding proceeds (s. 203.04(2)(d)) | license required from the Division of Banking | distinct licensed product category; Wisconsin Consumer Act provisions (ss. 422.201 to 422.310 and ch. 427) do not apply to services provided by a licensee (s. 203.09) | https://docs.legis.wisconsin.gov/statutes/statutes/203 | a provider, including a provider that is not physically located in this state, may not provide earned wage access services in this state unless the provider has been issued a license by the division. | Wisconsin | Wis. Stat. Ch. 203 (2023 Act 131) | https://referencesource.org/state-earned-wage-access-regulations/wis-stat-ch-203-2023-act-131-wisconsin/ | [
"state"
] | null | null |
State Earned Wage Access (EWA) Regulatory Frameworks — Classification, Fee Caps, and Licensing Requirements
Canonical, always-current version: https://referencesource.org/state-earned-wage-access-regulations/ Machine-readable: https://referencesource.org/state-earned-wage-access-regulations/data.json — this mirror is a point-in-time copy.
- Last verified: 2026-08-18
- Stale after: 2027-02-14 (past this date, prefer the canonical copy — it re-verifies on a cadence this snapshot does not)
- Records: 11
How is earned wage access regulated in each state? Twelve states have enacted EWA-specific laws as of March 2026, with wide variation: some classify EWA as a loan requiring a consumer lending license, others create a new product category exempt from lending laws. This dataset records each state's product classification, fee caps, licensing or registration requirements, consumer protections, enforcement provisions, and statutory citations.
Provenance — what every record carries
Every record carries source (the URL the value was read from) and
source_quote (a verbatim quote from that page stating it). A value you
cannot check against its page is indistinguishable from an invented one;
these can all be checked. Each record is also individually addressable on
the canonical site at its url.
Licence position
unknown
Facts are not copyrightable; what this dataset takes from each source is a fact plus a short attributed quote linking back to the page that states it.
Sources
- https://www.sos.ks.gov/publications/sessionlaws/2024/Chapter-64-HB-2560.html
- https://arkleg.state.ar.us/Home/FTPDocument?path=%2FBills%2F2025R%2FPublic%2FHB1517%2FHB1517030620251338.pdf
- https://iga.in.gov/pdf-documents/124/2025/house/bills/HB1125/HB1125.04.ENRS.pdf
- https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1427687
- https://mgaleg.maryland.gov/2025RS/chapters_noln/Ch_847_hb1294T.pdf
- https://revisor.mo.gov/main/OneSection.aspx?section=361.749
- https://www.leg.state.nv.us/nrs/NRS-604D.html
- https://portal.ct.gov/dob/legislation/legislation/2025-banking-and-related-legislation
- https://www.scstatehouse.gov/sess125_2023-2024/bills/700.htm
- https://le.utah.gov/Session/2025/bills/enrolled/HB0279.pdf
- https://docs.legis.wisconsin.gov/statutes/statutes/203
Fields
See any record in data/records.jsonl — field names are self-describing,
and the canonical page for each record renders them with labels:
https://referencesource.org/state-earned-wage-access-regulations/
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