Appearing in American Banker on Jan. 15, 2026, Joey Pizzolato talks to NCLC Senior Attorney Patrick Crotty about the Earned Wage Access Consumer Protection Act that would prevent EWA products from being classified as credit and preempt any state from classifying them as such.
“Earned wage payday loans exploit low-income workers and are designed to extract high fees
Patrick Crotty, senior attorney at the National Consumer Law Center.
from those who can least afford them. The earned wage payday loan industry is rife with unfair, deceptive and abusive practices. Enforcement authorities should address those practices, and legislators should reject exemptions from interest rate caps and other consumer protection laws.”
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