Earned Wage Access Consumer Protection Act

Sponsor: Bryan Steil (Republican-WI)June 18, 2026

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Placed on the Union Calendar, Calendar No. 690.

Sets rules for workers using early wage services by requiring free options and clear rules.

This bill would set new federal rules for companies that let you access your pay early. It would make sure these companies offer a free way to get your wages and clearly explain any fees. This means clearer rules and information for people who use these services.

What Would Change

Today, there are no specific federal laws for services that let you access your earned wages early, leading to different rules in each state that may classify them as loans. This bill would create federal rules, requiring these services to offer a free option and provide clear information about costs, while also protecting consumers from certain debt collection practices and ensuring data privacy.

Key Provisions

Requires companies offering early wage access to also provide a free option for consumers.
Bans early wage companies from suing, using debt collectors, or selling debts if a consumer cannot repay advanced wages.
Sets clear rules for what early wage companies must tell you about fees, tips, and service limits before and during transactions.
Prevents states from treating these services as loans or credit if they follow the new federal rules.
Protects your personal data by treating early wage companies like financial institutions under privacy laws.
Requires early wage companies to reimburse consumers for overdraft fees caused by incorrect or early payment attempts.

View on Congress.gov

HR 9330 · 119th Congress · June 18, 2026 · AI Summary by gemini-2.5-flash · 8/10

Earned Wage Access Consumer Protection Act

What Would Change

Key Provisions

Lobbying Activity