H.R. 9330, the Earned Wage Access Consumer Protection Act, advanced out of committee on June 30, 2026.
H.R. 9330 — Earned Wage Access Consumer Protection Act
What it does
This bill regulates earned wage access (EWA) services—companies that let workers borrow against wages they've already earned but haven't been paid yet. It requires providers to offer a free option alongside any paid service, disclose all fees and limits upfront, allow workers to cancel without penalty, and prohibits debt collection, credit reporting, or late fees if workers don't repay. It also shields EWA from being classified as credit or loans under federal law.
Quorum's transparency scan gave Earned Wage Access Consumer Protection Act a high transparency warning.
What happens next
H.R. 9330 advanced out of committee. Next stop: a floor vote.
Who is behind it
Filed by Bryan Steil.
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