Earned Wage Access Consumer Protection Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 9330 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 9330 To regulate the business of offering and providing earned wage access services to consumers, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES June 18, 2026 Mr. Steil introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To regulate the business of offering and providing earned wage access services to consumers, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Earned Wage Access Consumer Protection Act''. SEC. 2. EARNED WAGE ACCESS SERVICES. (a) Provision of Earned Wage Access Services.-- (1) No-cost option required.--If an earned wage access provider offers a consumer the option to receive earned wages in exchange for a fee, such earned wage access provider shall also offer such consumer the option to obtain the same amount of earned wages at no cost to the consumer. (2) Required disclosures.-- (A) Disclosures preceding agreement.--Each earned wage access provider shall disclose the following before entering into an agreement with a consumer: (i) Any limits on access to the earned wages a consumer may request from such provider, including-- (I) any limits on the amount of earned wages a consumer may request from the provider each day, pay period, or other time period; (II) any limits on the frequency or number of disbursements of earned wages a consumer may request from the provider each day, pay period, or other time period; (III) any limits on the amount of earned wages a consumer may request from the provider that are based on a determination by the provider of the ratio betw