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H.R. 9330 119th Congress House

Earned Wage Access Consumer Protection Act

Official title: To regulate the business of offering and providing earned wage access services to consumers, and for other purposes.

Introduced: June 18, 2026 Introduced by: Bryan Steil Republican · Wisconsin See on congress.gov
Finance and Financial Sector Bank accounts, deposits, capitalBusiness recordsConsumer affairsFraud offenses and financial crimes
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User charges and feesWages and earnings
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 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 30, 2026
Committee Consideration and Mark-up Session Held
Jun 30, 2026
Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 22.
Jun 18, 2026
Introduced in House
Jun 18, 2026
Referred to the House Committee on Financial Services.
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What's happening now June 30, 2026

Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 22.

 Plain-English summary Congressional Research Service

Earned Wage Access Consumer Protection Act

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;
  • are prohibited from bringing civil suits or from pursuing collection to compel repayment, except in cases of fraud; and
  • must 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.  

 Hearings & markups 1
  • Various Measures
    Markup Jun 30, 2026 · 10:00 AM EDT · Financial Services Committee
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 26

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

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APA
U.S. Congress. (2026). H.R. 9330: Earned Wage Access Consumer Protection Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-9330/
MLA
"H.R. 9330: Earned Wage Access Consumer Protection Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-9330/.
Bluebook (legal)
H.R. 9330, 119th Cong. (2026), https://openamerica.io/bill/119-HR-9330/.
Markdown link
[H.R. 9330: Earned Wage Access Consumer Protection Act](https://openamerica.io/bill/119-HR-9330/)
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