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

For Kentucky, statute citation is S 161; licensing requirement is establishes licensing requirements for certain earned wage access services providers, recorded from its source on 2026-08-17.

- **state:** Kentucky _(verified: appears in the quote below)_
- **statute citation:** S 161
- **licensing requirement:** establishes licensing requirements for certain earned wage access services providers _(verified: appears in the quote below)_

## What the source says

> Earned Wage Access Services | Pending | Establishes Subtitle 13 of KRS Chapter 286, the Kentucky Financial Services Code, and creates new sections to regulate earned wage access services; defines terms; establishes exemptions from the subtitle; establishes licensing requirements for certain earned wage access services providers; establishes requirements for change of control of a licensee.

## 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/).