Latest action: Placed on the Union Calendar, Calendar No. 690.
Committee has approved the bill (usually with amendments) and sent it back to the full chamber.
The committee voted to send the bill to the floor of the full chamber. The Speaker of the House schedules a floor vote.
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Protects workers who borrow against future wages from predatory lending practices.
The problem
Workers increasingly use earned wage access services to get early paychecks, but lack consumer protections against high fees and unfair terms.
The proposal
Establishes federal regulations and consumer protections for earned wage access programs, including fee limits, disclosure requirements, and dispute resolution processes.
The impact
Affects workers using wage advance services, employers offering programs, and financial companies providing earned wage access platforms nationwide.
Low-income workers often turn to wage advances for emergencies. Clear rules and fee limits prevent exploitation. Workers get basic protections like other consumer loans.
Companies must clearly explain fees, terms, and risks before workers sign up. Workers make informed choices instead of discovering hidden costs later.
Without limits, high fees can lock workers into cycles of repeated borrowing. Regulations help workers avoid spiraling debt from wage advances.
Currently unregulated, different providers have wildly different rules. Federal standards create a level playing field and consistent worker protections.
Stricter rules and fee limits make the business less profitable. Companies may stop offering wage advances altogether, leaving workers with fewer options.
Some workers prefer quick access to earned wages over traditional loans. Heavy regulation might prevent willing workers from using services they want.
Employers and providers must spend money following new rules and reporting requirements. Smaller companies may struggle with compliance expenses.
If wage advances become unavailable, workers may turn to payday loans or illegal lenders with even worse terms and practices.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
Senate LDA lobbying disclosures
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