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

For Louisiana, statute citation is La. Rev. Stat. §§ 9:3591.1 through 9:3591.7 (Act No. 496, HB 368, 2025); product classification is not a loan; not money transmission; not debt collection; free option required is yes — whenever provider offers consumer the option to receive proceeds for a fee or solicits a tip, must provide at least one reasonable option to obtain the same amount of proceeds at no cost; late fees prohibited is yes — provider shall not charge a late fee, deferral fee, interest, or any other charge for failure to repay outstanding proceeds; collection limits is provider shall not compel repayment by civil suit, outbound calls, third-party collector, or sale to debt buyer, recorded from its source on 2026-08-18.

- **state:** Louisiana _(verified: appears in the quote below)_
- **statute citation:** La. Rev. Stat. §§ 9:3591.1 through 9:3591.7 (Act No. 496, HB 368, 2025) _(our reading, not quoted from the source)_
- **product classification:** not a loan; not money transmission; not debt collection _(verified: appears in the quote below)_
- **free option required:** yes — whenever provider offers consumer the option to receive proceeds for a fee or solicits a tip, must provide at least one reasonable option to obtain the same amount of proceeds at no cost
- **late fees prohibited:** yes — provider shall not charge a late fee, deferral fee, interest, or any other charge for failure to repay outstanding proceeds
- **collection limits:** provider shall not compel repayment by civil suit, outbound calls, third-party collector, or sale to debt buyer

## What the source says

> not deemed to be engaging in lending, a money 24 transmission, or a debt collection in this state or in violation of the laws of this state 25 relating to the payment of minimum or overtime wages, deductions from payroll, 26 salary, wages, compensation or other income, or the sale or assignment of,

## Source

- https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1427687

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/).