State Earned Wage Access (EWA) Regulatory Frameworks — Classification, Fee Caps, and Licensing Requirements
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.
Records37
Sources1
Verified
Review by
Licenceunknown
The data
| state | statute citation | licensing requirement | fee caps | product classification |
|---|---|---|---|---|
| New York | A 258 | Provides for the licensing and regulation of income access services in the state | ||
| New York | A 4918 | Provides interest rate limitations for financing arrangements and the extension of consumer credit | ||
| New York | A 682 | Relates to the regulation and licensing of employer integrated and non-verified on demand pay providers | ||
| Colorado | H 1020 | |||
| Washington | H 1063 | Establishes a new chapter for the licensing and regulation of businesses providing earned wage access services | ||
| Missouri | H 1113 | |||
| Indiana | H 1125 | the act is to be administered by the Division of Consumer Credit within the Department of Financial Institutions | ||
| Maryland | H 1294 | provides for the licensing or registration of certain entities offering earned wage access products with certain exemptions | limits the costs and fees associated | Subjects certain earned wage access products to the state Consumer Loan Law |
| Mississippi | H 1307 | deemed to not be engaging in lending, money transmission, or debt collection | ||
| North Dakota | H 1393 | |||
| Arkansas | H 1517 | |||
| Texas | H 2043 | |||
| Oklahoma | H 2086 | |||
| Oregon | H 2131 | Requires a license to provide earned income access services in this state | ||
| Utah | H 279 | provider registration and renewal | ||
| Connecticut | H 5007 | Allows earned wage access service by persons licensed by the banking commissioner to provide such service | ||
| Missouri | H 576 | |||
| New Mexico | H 59 | provides for licensure of earned wage access services providers; provides for denial, suspension or revocation of licenses | ||
| Kentucky | H 645 | establishes licensing requirements for certain earned income access providers | ||
| Vermont | H 99 | |||
| Idaho | S 1119 | |||
| Ohio | S 117 | |||
| Connecticut | S 1396 | |||
| Arizona | S 1582 | Relates to license | ||
| Kentucky | S 161 | establishes licensing requirements for certain earned wage access services providers | ||
| New York | S 1726 | Provides interest rate limitations for financing arrangements and the extension of consumer credit | ||
| Kansas | S 248 | updating the fingerprinting language for the state banking commissioner for money transmitters and earned wage access services providers | ||
| Mississippi | S 2496 | |||
| Georgia | S 282 | provides for fees that may be charged for such services | earned wage access services shall not be considered lending activity or money transmission | |
| Missouri | S 293 | |||
| New York | S 3332 | Provides for the licensing and regulation of income access services in the state | ||
| New York | S 4355 | Relates to the regulation and licensing of employer-integrated and non-verified on-demand pay providers | ||
| Nevada | S 44 | |||
| Oregon | S 481 | Requires a license to provide earned income access services in this state | ||
| Washington | S 5328 | Establishes a new chapter for the licensing and regulation of businesses | ||
| Oklahoma | S 781 | |||
| Texas | S 938 |
Where this came from
Every record above links the page it was taken from and quotes the sentence that states it. These are the 1 source this dataset was assembled from.
- ncsl.orghttps://www.ncsl.org/financial-services/earned-wage-access-2025-legislation
Machine-readable
- data.jsonThe whole dataset — every record with its source URL and source quote.
- Open Knowledge Format bundleOne JSON object per line — every record's frontmatter and quoted span exactly as it is held here, in one fetch.
- How this is made and checkedWhat "verified against source" does and does not mean.