H.R. 9330

In plain English

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 wit

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Sponsor and status

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How South Carolina voted

No recorded roll-call vote on this bill yet. Most bills never get one.

Who lobbied

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No lobbying reported on this bill in the reports we have loaded (January 2025 through September 2026). Lobbyists report each quarter, about 20 days after it ends, so any lobbying since October 2026 will be added once those reports are filed.