3.0.0
7428
2025-05-27T14:12:00Z
2025-05-27T14:12:00Z
House
H
HR
2024-02-20
118
[Congressional Record Volume 170, Number 32 (Tuesday, February 20, 2024)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. STEIL:H.R. 7428.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8 of the United States Constitution:``To regulate commerce with foreign nations, and among theseveral states, and with the Indian tribes . . .''The single subject of this legislation is:Defining and clarifying the regulatory treatment for earnedwage access services.[Page H687]
- hsba00
Financial Services Committee
House
Standing
  - Reported By
2024-12-03T19:23:01Z
  - Markup By
2024-04-17T18:30:00Z
  - Referred To
2024-02-20T18:02:45Z
H. Rept. 118-787
- 2024-12-03
Placed on the Union Calendar, Calendar No. 650.
Calendars
H12410
2
House floor actions
- 2024-12-03
Reported (Amended) by the Committee on Financial Services. H. Rept. 118-787.
Committee
H12200
2
House floor actions
  - hsba00
Financial Services Committee
- 2024-12-03
Reported (Amended) by the Committee on Financial Services. H. Rept. 118-787.
Committee
5000
9
Library of Congress
  - hsba00
Financial Services Committee
- 2024-04-17
  - hsba00
Financial Services Committee
1
House committee actions
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 22.
Committee
- 2024-04-17
  - hsba00
Financial Services Committee
1
House committee actions
Committee Consideration and Mark-up Session Held
Committee
- 2024-02-20
Referred to the House Committee on Financial Services.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2024-02-20
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2024-02-20
Introduced in House
IntroReferral
1000
9
Library of Congress
- S001213
Rep. Steil, Bryan [R-WI-1]
Bryan
Steil
R
WI
1
N
- H001072
Rep. Hill, J. French [R-AR-2]
J.
Hill
R
AR
French
2
2024-02-20
True
- D000032
Rep. Donalds, Byron [R-FL-19]
Byron
Donalds
R
FL
19
2024-02-28
False
- M001204
Rep. Meuser, Daniel [R-PA-9]
Daniel
Meuser
R
PA
9
2024-02-29
False
- B001282
Rep. Barr, Andy [R-KY-6]
Andy
Barr
R
KY
6
2024-02-29
False
- L000569
Rep. Luetkemeyer, Blaine [R-MO-3]
Blaine
Luetkemeyer
R
MO
3
2024-03-05
False
- S000250
Rep. Sessions, Pete [R-TX-17]
Pete
Sessions
R
TX
17
2024-04-16
False
Finance and Financial Sector
- Bank accounts, deposits, capital
2024-10-29T15:15:11Z
- Consumer affairs
2024-10-29T14:48:49Z
- Fraud offenses and financial crimes
2024-10-29T14:48:37Z
- User charges and fees
2024-10-29T15:22:59Z
- Wages and earnings
2024-10-29T14:55:13Z
Finance and Financial Sector
2024-03-07T19:45:43Z
00
2024-02-20
Introduced in House
2024-10-02T16:13:51Z
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 consumer credit products for purposes of 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.
The bill requires providers to inform consumers of their rights under an agreement for an earned wage access product and to disclose all associated fees before the consumer enters into an agreement. Providers must also inform consumers of any material changes to the terms or conditions before implementing those changes.
Under the bill, providers of earned wage access products
- must establish a policy for responding to customer disputes;
- 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 the provider withdrew an incorrect amount or withdrew on an incorrect date.
Providers are prohibited from sharing proceeds, fees, or gratuities 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.
If a provider solicits, charges, or receives a tip, gratuity, or other donation from a consumer, the provider must disclose the voluntary nature of such tip, gratuity, or donation.

Earned Wage Access Consumer Protection Act
- Short Title(s) as Reported to House
102

Earned Wage Access Consumer Protection Act
2024-12-04T07:38:17Z
H
House
Reported in House
RH
- Display Title
45

Earned Wage Access Consumer Protection Act
2024-06-11T15:52:17Z
- Short Title(s) as Introduced
101

Earned Wage Access Consumer Protection Act
2024-05-24T13:34:08Z
Introduced in House
IH
- Official Title as Introduced
6

To regulate the business of offering and providing earned wage access services to consumers, and for other purposes.
2024-03-18T22:18:31Z
Introduced in House
IH
- Reported in House
2024-12-03T05:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr7428rh/xml/BILLS-118hr7428rh.xml
- Introduced in House
2024-02-20T05:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr7428ih/xml/BILLS-118hr7428ih.xml
2024-12-03
Placed on the Union Calendar, Calendar No. 650.
text/xml
EN
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
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