Bill · H.R. 9330· House(119-HR-9330)
Earned Wage Access Consumer Protection Act
- Introduced
- 6/18/2026
- Last activity
- 9/1/2026 — Placed on the Union Calendar, Calendar No. 690.
- Sponsored by
- Bryan Steil
- Cosponsors
- None
- Introduced
- On Calendar
What this bill would do
This bill, known as the "Earned Wage Access Consumer Protection Act," seeks to regulate the business of offering and providing earned wage access services to consumers. It requires providers to offer a no-cost option for receiving earned wages and establishes strict disclosure requirements regarding fees, limits, and tips. The Act mandates that providers implement dispute processes and prohibits certain debt collection methods like civil suits or arbitration. It also prevents providers from charging late fees or sharing fee information with employers. Finally, the bill includes non-discrimination protections and consumer data protections for those using these services.
Yes· 3 of 20
Would households on low incomes be better off under this?+9
Directly benefits those who need early wage access by mandating no-cost options and banning late fees.
Does this give people more protection from unfair business practices?+8
Establishes strict transparency and fee protections for consumers using earned wage access services.
Would people in their twenties and thirties be better off under this?+5
Provides protections for early-career workers who may rely more on flexible wage access.
The opposite
Does this leave more decisions to the states?-3
Preempts state laws that treat these services as credit or loans if they comply with the Act.
Would business owners be better off under this?-2
Increases regulatory burden on providers of wage access services.
Who it would affect, and how
Potential Positive Impacts for People
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Requirement for No-Cost Options: Providers must offer a way for consumers to obtain earned wages at no cost, ensuring access to funds without mandatory fees. (Section 2(a)(1))
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Mandatory Disclosures: Providers are required to disclose limits on wage access, fee amounts, and how tips work before an agreement is made, allowing consumers to make informed decisions. (Section s2(a)(2)(A))
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Protection Against Unfair Debt Collection: Providers are prohibited from using civil suits, arbitration, or debt collectors to seek payment for disbursed wages, except in cases of known false information. (Section 2(a)(6))
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Financial Reimbursement for Errors: If a provider's attempt to seek payment triggers an overdraft or non-sufficient funds fee from a consumer's bank, the provider must reimburse the consumer. (Section 2(a)(7))
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Prevention of Employer Interference: Providers are prohibited from sharing information about the fees or tips a consumer pays with their employer. (Section 2(a)(8)(A))
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Non-Discrimination Protections: The bill makes it unlawful for providers to discriminate against consumers based on race, color, religion, national origin, sex, marital status, or age. (Section 2(a)(10))
Potential Negative Impacts for People
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Requirement for Consumer Attestation: Before the first disbursement in a pay period, consumers must attest that they have not requested the same wages from another provider. (Section 2(a)(3))
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Limits on Service Terms: Material changes to the terms and conditions of service require a 30-day notice period, which could delay the implementation of new service terms. (Section 2(a)(2)(E))
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+9Good For Middle Aged+5Good For Middle Class Households+5Good For Students+5Good For Union Workers+5Good For Young Adults+5Good For African Americans+4Good For Asian Americans+4Good For Hispanic Americans+4Good For Immigrants+4Good For Native Americans+4Good For White Americans+4Good For Women+4Good For Business Owners-2
- Economy And Finance
- Improves Consumer Protection+8
- Social Issues And Justice
- Improves Poverty Reduction+4Improves Gender Equality+2Improves Racial Equity+2
- Education And Technology
- Improves Data Privacy+5
- Governance And Ideology
- Improves Privacy Rights+4Increases Federal Power+3Increase States Rights-3
- 9/1/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
- Placed on the Union Calendar, Calendar No. 690.
- 6/30/2026
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 22.
- 6/18/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.