HR 9330 119th Congress
Earned Wage Access Consumer Protection Act
To regulate the business of offering and providing earned wage access services to consumers, and for other purposes.
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Bill journey
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Introduction Congress.gov
Introduced
Introduced in the House.
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Referred to the House Committee on Financial Services.
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Introduced in House
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Introduced in House
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Introduced in House
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Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 22.
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Committee Consideration and Mark-up Session Held
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Placed on the Union Calendar, Calendar No. 690.
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Reported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
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Reported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
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Reported in House
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| Date and time | Record | Official detail | Source |
|---|---|---|---|
| IntroductionIntroduced | Introduced in the House. | Congress.gov | |
| Official actionReferred to the House Committee on Financial Services. | No additional detail supplied.IntroReferral · House floor actions · Code H11100 | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code Intro-H | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code 1000 | Congress.gov | |
| Text versionIntroduced in House | A dated text-version record is available. | Congress.gov | |
| Official actionOrdered to be Reported (Amended) by the Yeas and Nays: 29 - 22. | No additional detail supplied.Committee · House committee actions · Code H19000 | Congress.gov | |
| Official actionCommittee Consideration and Mark-up Session Held | No additional detail supplied.Committee · House committee actions · Code H15001 | Congress.gov | |
| Official actionPlaced on the Union Calendar, Calendar No. 690. | No additional detail supplied.Calendars · House floor actions · Code H12410 | Congress.gov | |
| Official actionReported (Amended) by the Committee on Financial Services. H. Rept. 119-790. | No additional detail supplied.Committee · House floor actions · Code H12200 | Congress.gov | |
| Official actionReported (Amended) by the Committee on Financial Services. H. Rept. 119-790. | No additional detail supplied.Committee · Library of Congress · Code 5000 | Congress.gov | |
| Text versionReported in House | A dated text-version record is available. | Congress.gov |
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Congressional Research Service
CRS summary
Earned Wage Access Consumer Protection ActThis bill addresses the regulation of earned wage access products. Earned wage access products provide consumers with access to their earned wages before their scheduled pay day.The bill specifies that earned wage access products are not subject to regulation under the Truth in Lending Act (TILA). TILA requires consumer credit products to disclose borrowing costs, finance charges, and the total cost of the loan.Under the bill, providers of earned wage access productsmust provide an alternative no-cost option for receiving earned wages if the provider offers an option to receive earned wages for a fee;are prohibited from bringing civil suits or from pursuing collection to compel repayment, except in cases of fraud; andmust reimburse the consumer for overdraft fees or penalties imposed on a consumer by their depository institution if incurred because of an error by the provider.Providers must inform consumers of their rights under an agreement for an earned wage access product and disclose all associated fees before the consumer enters into an agreement. Providers must also inform consumers how to obtain earned wages without paying a fee or tip in a clear and conspicuous manner.Providers are prohibited from sharing fees or tips with the consumer’s employer. The bill also limits the form of payment providers may accept from consumers and limits certain additional fees for failure to pay.A provider may not set a default tip at an amount greater than $0 for such services.
Official documents
Text versions
- Reported in HouseSep 1, 2026
- Introduced in HouseJun 18, 2026