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

For New York, statute citation is A 4918; fee caps is Provides interest rate limitations for financing arrangements and the extension of consumer credit, recorded from its source on 2026-08-17.

- **state:** New York
- **statute citation:** A 4918
- **fee caps:** Provides interest rate limitations for financing arrangements and the extension of consumer credit _(verified: appears in the quote below)_

## What the source says

> Interest Rate Limitations for Financing Arrangements | Pending | Provides interest rate limitations for financing arrangements and the extension of consumer credit; relates to the definitions of criminal usury in the first and second degrees; relates to the functions of the attorney general regarding rental purchase agreements.

## Source

- https://www.ncsl.org/financial-services/earned-wage-access-2025-legislation

Last verified: 2026-08-17. Review by: 2027-02-13.
Part of [State Earned Wage Access (EWA) Regulatory Frameworks — Classification, Fee Caps, and Licensing Requirements](https://referencesource.org/state-earned-wage-access-regulations/).