Kansas
For Kansas, statute citation is 2024 Session Laws, Ch. 64 (HB 2560), §§ 43–58 (Kansas Earned Wage Access Services Act); product classification is not a loan or other form of credit; not money transmission; licensing requirement is registration required with the Office of the State Bank Commissioner; free option required is yes — provider must offer consumer at least one option to receive proceeds at no cost; late fees prohibited is yes — provider shall not charge a late fee, a deferral fee, interest or any other penalty or charge for failure to repay outstanding proceeds, recorded from its source on 2026-08-18.
- state
- Kansas verified
- statute citation
- 2024 Session Laws, Ch. 64 (HB 2560), §§ 43–58 (Kansas Earned Wage Access Services Act) our reading
- product classification
- not a loan or other form of credit; not money transmission verified
- licensing requirement
- registration required with the Office of the State Bank Commissioner verified
- free option required
- yes — provider must offer consumer at least one option to receive proceeds at no cost verified
- late fees prohibited
- yes — provider shall not charge a late fee, a deferral fee, interest or any other penalty or charge for failure to repay outstanding proceeds verified
- collection limits
- provider shall not compel repayment by civil suit, third-party collector, or sale to debt buyer; shall not report to consumer credit reporting agency verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
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 order for, earned but unpaid income; or (C) money transmission or the registrant a money transmitter with respect thereto.
— sos.ks.gov, retrieved 2026-08-18
Source
- sos.ks.govhttps://www.sos.ks.gov/publications/sessionlaws/2024/Chapter-64-HB-2560.html