# Kansas — State Earned Wage Access (EWA) Regulatory Frameworks — Classification, Fee Caps, and Licensing Requirements

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: appears in the quote below)_
- **statute citation:** 2024 Session Laws, Ch. 64 (HB 2560), §§ 43–58 (Kansas Earned Wage Access Services Act) _(our reading, not quoted from the source)_
- **product classification:** not a loan or other form of credit; not money transmission _(verified: appears in the quote below)_
- **licensing requirement:** registration required with the Office of the State Bank Commissioner
- **free option required:** yes — provider must offer consumer at least one option to receive proceeds at no cost
- **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
- **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

## 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.

## Source

- https://www.sos.ks.gov/publications/sessionlaws/2024/Chapter-64-HB-2560.html

Last verified: 2026-08-18. Review by: 2027-02-14.
Part of [State Earned Wage Access (EWA) Regulatory Frameworks — Classification, Fee Caps, and Licensing Requirements](https://referencesource.org/state-earned-wage-access-regulations/).