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

For Kentucky, statute citation is H 645; licensing requirement is establishes licensing requirements for certain earned income access providers, recorded from its source on 2026-08-17.

- **state:** Kentucky _(verified: appears in the quote below)_
- **statute citation:** H 645
- **licensing requirement:** establishes licensing requirements for certain earned income access providers _(verified: appears in the quote below)_

## What the source says

> Earned Income Access Transactions | Pending | Establishes specified chapter, the Kentucky Financial Services Code, and create new sections thereof to regulate earned income access transactions; defines terms; establishes licensing requirements for certain earned income access providers; establishes requirements for the change of control of a licensee; establishes records requirements for licensees; requires annual and other reports by licensees; permits the commissioner of the Department of Financial Institutions to conduct examinations.

## 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/).