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H.R. 9330119th CongressOn the floor calendarLatest action Sep 1, 2026Decoded by AI · checked against the record
Official title: Earned Wage Access Consumer Protection Act
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
HR 9330 sets federal disclosure and fee rules for paycheck-advance apps and limits state regulation of them.
45-second read · 4 questions answered below
HR 9330 creates federal rules for earned wage access companies, requiring a free option, clear fee and tipping disclosures, no default tip above zero, penalty-free cancellation, an error-complaint process, and overdraft reimbursement. It also bans aggressive collection tactics like lawsuits, debt collectors, or selling debt, except in cases of consumer fraud. If companies comply, their services would not be legally treated as loans, and federal law would limit states from regulating them as such.
The bill affects workers using paycheck-advance apps, the companies providing them, employers partnering with these services, and state regulators who currently oversee some products as loans.
The change could reduce state-level oversight of an industry some regulators currently compare to payday lending, while standardizing consumer disclosures nationwide. The CFPB would write implementing rules within six months.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: it's on the House floor calendar. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Placed on the Union Calendar, Calendar No. 690.
Coverage of this bill from across the press — each outlet's political lean labeled where AllSides has rated it, and marked "Not rated" where it hasn't.
Newest of these articles:
pymnts.com
Not rated
americanbanker.com
Not rated
Jul 13, 2026
Lean labels describe the news outlet, not this bill or any party. Ratings by AllSides.