# 119-hr-9330: Earned Wage Access Consumer Protection Act

119-hr-9330, Earned Wage Access Consumer Protection Act, is a 119th Congress bill sponsored by Rep. Steil, Bryan [R-WI-1] (R-WI); status in_committee; PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/legislation/119-hr-9330
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9330
- Congress: 119
- Title: Earned Wage Access Consumer Protection Act
- Status: in_committee
- Introduced: 2026-06-18
- Sponsor: Rep. Steil, Bryan [R-WI-1] (R-WI)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-11-01

## Summary

**Federal consumer protections for Earned Wage Access (EWA)** would set a national rulebook that treats EWA as non‑credit and requires verification, clear disclosures, and a no‑cost transfer option when fees are offered. - Workers and families: Providers would have to verify that advances do not exceed wages earned in a pay period, disclose limits and fees, and offer a free transfer option that occurs within one business day when a fee option exists. - EWA providers and employers: The bill would exclude EWA from creditor status under Truth in Lending rules, designate providers as financial institutions for privacy law purposes, ban sharing fees with employers, and bar certain collection practices. - States and oversight: The measure would preserve state consumer‑protection laws that do not conflict while stopping states from recharacterizing EWA as credit, and it would direct the Bureau of Consumer Financial Protection to issue implementing rules within 180 days.

## Provisions PRIA read

- Protections from overcharges and collections: benefit, medium. If enacted, providers would check before each transfer that total advances do not exceed wages earned that pay period. Before the first advance each pay period, you would attest you did not ask another provider for the same wages. If providers charge fees, they must also offer the same amount free.…
- Agency must write rules in 180 days: benefit, medium. If enacted, the Consumer Financial Protection Bureau would have to issue rules to implement the Act within 180 days of enactment. Those rules would set standards and enforcement for earned wage access providers.
- Cancel recurring service and anti-discrimination: benefit, low. If enacted, you would be able to stop recurring EWA services after giving notice. Providers could not charge you a cancellation fee. Providers could not deny EWA services because of your race, color, religion, national origin, sex (including pregnancy), marital status, or age.
- Clear fees and tipping rules: benefit, low. If enacted, providers would have to tell you before you sign up about access limits, all fees, and how to get wages without paying. Before each transfer, providers would show the account (if any), the amount, total fees, the tips you chose, and when you get the money. Providers would have to say ti…
- Definitions, privacy, and state limits: mixed, medium. If enacted, the bill would define core terms like earned wages, provider, fee, and tip and list some excluded actors. It would say earned wage access is not federal "credit" under Truth in Lending. EWA providers would be treated as financial institutions for privacy law and subject to Gramm-Leach-B…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3633: Digital Asset Market Clarity Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-8398: Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025

## Sources
- [119-hr-9330 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9330)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-8398: Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act](https://policyrisk.com/legislation/119-hr-8398)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9330 (as of 2026-11-01).