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Bill sets federal rules for paycheck-advance apps, limits state oversight

Placed on the calendarH.R. 9330Latest action

Sponsor: Bryan Steil · Representative · WI

AIDecoded by AI · checked against the record
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Official title: Earned Wage Access Consumer Protection Act

119th Congress

Topics: Jobs & the economy

Introduced:

Read the official bill on Congress.gov

In plain words

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HR 9330 would set federal rules for paycheck-advance apps and bar states from treating them as loans.

40-second read · 4 questions answered below

What does this do?

HR 9330 requires earned wage access companies to offer a free option, disclose fees and tips upfront, show exact costs before each transaction, and allow free cancellation anytime. It bans default tips above zero, credit bureau reporting of unpaid balances, debt collection or lawsuits over unpaid amounts (except fraud), late fees, interest, and discrimination.

Who does it affect?

The bill affects millions of workers using paycheck-advance apps like Earnin or Dave, the companies providing them, states, and the Consumer Financial Protection Bureau, which must write implementing rules within six months.

Why does it matter?

By classifying earned wage access as neither a loan nor credit, the bill exempts it from standard lending laws like the Truth in Lending Act and generally prevents states from imposing stricter rules or treating it as lending.

AI-drafted summary. Check it against the official text before you act on it.

Based on the “Reported in House” text of Sep 1, 2026.

Read the official bill on Congress.gov

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Where does it stand?

  1. IntroducedJun 18, 2026
  2. House committee
  3. House voteYou are here · Sep 1, 2026
  4. Senate
  5. The president's desk

Right now: it was placed on the , and the official record shows no floor action on it since. 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.

Data as of October 17, 2026
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How it's being covered

Coverage of this bill from across the press. Each outlet's political lean is labeled where AllSides has rated it, and marked "Not rated" where it has not.

Newest of these articles:

  • americanbanker.com

    Not rated

    Consumer groups team up to battle EWA lobby

    Jul 13, 2026

  • pymnts.com

    Not rated

    Banks Get New Fraud Tools as House Panel Moves Payments Bills

    Jun 30, 2026

Lean labels describe the news outlet, not this bill or any party. Ratings by AllSides.