Earned Wage Advances

Earned Wage Payday Loans Compound the Affordability Problem

February 10, 2026

With Apps Taking $300/year or more from Workers, Lawmakers Should Reject Bills Removing Protections for Active Duty Service Members and Preempting State Payday Loan Laws

Picking Workers’ Pockets: Unfair, Deceptive and Abusive Practices by Earned Wage Payday Lenders

January 12, 2026

Letter on Earned Wage Access Consumer Protections Act

February 24, 2026

Recent

Comments & Letters

Reports

Issue Briefs

Testimony

Legislation

Press Releases & News

Recent

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Courts Reject Claims that Payday Loan Apps Don’t Offer Loans

August 26, 2026

Coalition Letter in Opposition to H.R. 9330 (Steil), Earned Wage Access Consumer Protection Act

June 29, 2026

Testimony in Opposition to H.B.5558 and Associated Legislation

March 12, 2026

Letter on Earned Wage Access Consumer Protections Act

February 24, 2026

The Affordability Problem of Earned Wage Payday Loans

February 10, 2026

Earned Wage Payday Loans Compound the Affordability Problem

February 10, 2026

Comment to DC on Earned Wage Access

January 30, 2026

Written Testimony in Support of Maryland Earned Wage Revisions

January 29, 2026

Picking Workers’ Pockets: Unfair, Deceptive and Abusive Practices by Earned Wage Payday Lenders

January 12, 2026

Comments & Letters

View All for Comments & Letters

Coalition Letter in Opposition to H.R. 9330 (Steil), Earned Wage Access Consumer Protection Act

June 29, 2026

Letter on Earned Wage Access Consumer Protections Act

February 24, 2026

Comment to DC on Earned Wage Access

January 30, 2026

Coalition Letter Opposing Earned Wage Payday Loan Exemption from TILA

November 20, 2025

Letter Opposing Connecticut S 1396 Earned Wage Advances

May 8, 2025

Letter Urging Veto of MD HB 1294, Earned Wage Advance

April 11, 2025

Letter Opposing H.R. 7428 (Steil), Earned Wage Access Consumer Protection Act

April 16, 2024

Letter Opposing Nevada Earned Wage Advance Bill

May 9, 2023

Letter Analyzing Nevada Earned Wage Advance Bill

March 16, 2023

Reports

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Picking Workers’ Pockets: Unfair, Deceptive and Abusive Practices by Earned Wage Payday Lenders

January 12, 2026

Issue Briefs

View All for Issue Briefs

Courts Reject Claims that Payday Loan Apps Don’t Offer Loans

August 26, 2026

The Affordability Problem of Earned Wage Payday Loans

February 10, 2026

Selected Government Enforcement Actions Against Earned Wage Payday Lenders

January 8, 2026

MoneyLion’s Costly “0% APR” “Earned Wage” Payday Loans

May 22, 2025

DailyPay Extracts Hundreds of Dollars From Low-Wage Workers’ Pay

May 8, 2025

Don’t Make Workers Pay to be Paid: Common Sense Protections For Early Wage Advances Needed

December 6, 2024

State Recommendations for Earned Wage Advances and Other Fintech Cash Advances

October 11, 2023

Earned Wage Advances and Other Fintech Payday Loans: Workers Shouldn’t Pay to be Paid

April 20, 2023

Data on Earned Wage Advances and Fintech Payday Loan “Tips” Show High Costs for Low-Wage Workers

April 10, 2023

Testimony

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Testimony in Opposition to H.B.5558 and Associated Legislation

March 12, 2026

Written Testimony in Support of Maryland Earned Wage Revisions

January 29, 2026

Testimony Opposing Maryland HB 1294 Earned Wage Access

March 21, 2025

Testimony Before Maryland Senate on Amended HB 246: Earned Wage Access and Credit Modernization

March 26, 2024

Testimony Opposing Maryland HB 1425/SB 998 Earned Wage Access

March 1, 2024

Testimony in Support of Hawaii SB 2664 on Earned Wage Advances

February 14, 2024

Testimony in Support of Maryland HB 246

January 23, 2024

Testimony on Vermont H.87 Regarding Earned Wage Access Service Providers

March 13, 2023

Legislation

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Testimony in Opposition to H.B.5558 and Associated Legislation

March 12, 2026

Letter on Earned Wage Access Consumer Protections Act

February 24, 2026

Written Testimony in Support of Maryland Earned Wage Revisions

January 29, 2026

Coalition Letter Opposing Earned Wage Payday Loan Exemption from TILA

November 20, 2025

Letter Opposing Connecticut S 1396 Earned Wage Advances

May 8, 2025

Letter Urging Veto of MD HB 1294, Earned Wage Advance

April 11, 2025

Testimony Opposing Maryland HB 1294 Earned Wage Access

March 21, 2025

Letter Opposing H.R. 7428 (Steil), Earned Wage Access Consumer Protection Act

April 16, 2024

Testimony Before Maryland Senate on Amended HB 246: Earned Wage Access and Credit Modernization

March 26, 2024

Press Releases & News

View All for Press Releases & News

Earned Wage Payday Loans Compound the Affordability Problem

February 10, 2026

From the NCLC Digital Library

Consumer Credit Regulation

Innovative thinking and precise authority on predatory lending and other consumer credit, including analysis on other players in consumer accounts and payment systems.

Read Chapter One