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

For Utah, statute citation is Utah Code §§ 13-75-101 through 13-75-106 (H.B. 279, 2025); effective date is May 7, 2025; product classification is not a loan or other form of credit or debt; not money transmission; licensing requirement is registration required with the Division of Consumer Protection; free option required is yes — provider shall offer at least one no-fee option to receive funds, recorded from its source on 2026-08-18.

- **state:** Utah _(verified: appears in the quote below)_
- **statute citation:** Utah Code §§ 13-75-101 through 13-75-106 (H.B. 279, 2025) _(our reading, not quoted from the source)_
- **effective date:** May 7, 2025 _(verified: appears in the quote below)_
- **product classification:** not a loan or other form of credit or debt; not money transmission _(verified: appears in the quote below)_
- **licensing requirement:** registration required with the Division of Consumer Protection
- **free option required:** yes — provider shall offer at least one no-fee option to receive funds
- **late fees prohibited:** yes — provider may not charge a consumer a fee, interest, or any other penalty for failure to repay outstanding proceeds
- **collection limits:** provider may not compel repayment by civil lawsuits, outbound calls, third-party collections, or debt sales

## What the source says

> (b) is not offering a loan or other form of credit or debt, if the provider is not a creditor, 269 a debt collector, or a lender; or 270 (c) is not offering a money transmission, if the provider is not a money transmitter. 271 (2) Fees, voluntary tips, gratuities, or other donations paid to the provider, in accordance 272 with this chapter, are not interest or finance charges. 273 Section 8. Effective Date. 274 This bill takes effect on May 7, 2025.

## Source

- https://le.utah.gov/Session/2025/bills/enrolled/HB0279.pdf

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/).