Earned Wage Access Consumer Protection Act
Introduced Jun 18, 2026 by Rep. Bryan Steil
It's waiting on a committee vote to reach the full chamber. Most bills never leave this stage.
This 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 products
must provide an alternative no-cost option for receiving earned wages if the provider offers an option to receive earned wages for a fee;
Read the full summary on Congress.govSummary by the Congressional Research Service.
No floor votes yet — it hasn't reached the floor of either chamber.