H.R. 9330 · 119th Congress

Earned Wage Access Consumer Protection Act

Introduced on Jun 18, 2026 by Bryan Steil (R-WI-1). Latest action (Sep 1, 2026): Placed on the Union Calendar, Calendar No. 690.

Stage
Reported by committee
Introduced
Jun 18, 2026
Cosponsors
0
Policy area
Finance and Financial Sector
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Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

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

Subjects

  • Bank accounts, deposits, capital
  • Business records
  • Consumer affairs
  • Fraud offenses and financial crimes
  • User charges and fees
  • Wages and earnings

Summary

By the Congressional Research Service (Reported to House, Sep 1, 2026). Public domain.

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Bryan SteilR-WI-1Sponsor

No cosponsors.

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Jun 18, 2026Introduced in House
  2. Jun 18, 2026Introduced in House
  3. Jun 18, 2026 · HouseReferred to the House Committee on Financial Services.
  4. Jun 30, 2026 · HouseCommittee Consideration and Mark-up Session Held
  5. Jun 30, 2026 · HouseOrdered to be Reported (Amended) by the Yeas and Nays: 29 - 22.
  6. Sep 1, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
  7. Sep 1, 2026 · HouseReported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
  8. Sep 1, 2026 · HousePlaced on the Union Calendar, Calendar No. 690.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. AMERICAN FINTECH COUNCIL2 reports
    $110K reported (all issues)
  2. AARP1 report
    $4.1M reported (all issues)
  3. Activehours Inc., d/b/a Earnin1 report
    $10K reported (all issues)
  4. American Association for Justice1 report
    $1.8M reported (all issues)
  5. American Federation of Teachers1 report
    $410K reported (all issues)
  6. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP1 report
    $90K reported (all issues)
  7. CHIME FINANCIAL, INC.1 report
    $350K reported (all issues)
  8. DAILYPAY, LLC1 report
    $90K reported (all issues)
  9. Gen Digital Inc (formerly NortonLifeLock Inc.)1 report
    $90K reported (all issues)
  10. Innovative Payments Association1 report
    $50K reported (all issues)
  11. Kikoff Inc.1 report
    $40K reported (all issues)
  12. SOUTHERN POVERTY LAW CENTER, INC.1 report
    $480K reported (all issues)

Reports filed in 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 5, 2026 · loaded Oct 5, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.