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

For Nevada, statute citation is NRS Chapter 604D; product classification is not a loan or other form of credit; not money transmission; licensing requirement is license required from the Commissioner of Financial Institutions; late fees prohibited is yes — provider shall not charge a late fee, deferral fee, interest or any other penalty or charge for failure to pay outstanding proceeds; collection limits is provider shall not compel payment by civil action, third-party collector, or sale to debt buyer; shall not report to consumer agency or debt collector, recorded from its source on 2026-08-18.

- **state:** Nevada _(verified: appears in the quote below)_
- **statute citation:** NRS Chapter 604D _(our reading, not quoted from the source)_
- **product classification:** not a loan or other form of credit; not money transmission
- **licensing requirement:** license required from the Commissioner of Financial Institutions
- **late fees prohibited:** yes — provider shall not charge a late fee, deferral fee, interest or any other penalty or charge for failure to pay outstanding proceeds
- **collection limits:** provider shall not compel payment by civil action, third-party collector, or sale to debt buyer; shall not report to consumer agency or debt collector

## What the source says

> Any earned wage access services provided by a licensee in compliance with this chapter to be deemed: ������������ (1) A loan or other form of credit; ������������ (2) As violating or noncompliant with the laws of this State governing the sale or assignment of, or an order of, earned but unpaid income; or ������������ (3) A money transmission, or to be subject to any of the provisions of law governing loans or money transmitters; ����� (b) Any licensee in compliance with this chapter to be deemed a creditor, lender or money transmitter;

## Source

- https://www.leg.state.nv.us/nrs/NRS-604D.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/).