All Roll Calls
Yes: 124 • No: 3
ArkansasHB15172025 Regular SessionHouseWALLET
TO ESTABLISH THE EARNED WAGE ACCESS SERVICES ACT.
Sponsored By: Ben Gilmore (Republican), David Ray (Republican)
Enacted
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 3 benefits, 1 costs, 0 mixed.
Free wage access options for workers
Covered Arkansas wage access providers must offer and explain a reasonable free option whenever they offer early pay for a fee. They must disclose all fees and your rights before signup, announce major changes beforehand, and allow cancellation anytime without their own cancellation fee. Providers must promptly handle questions and complaints, follow privacy and data security laws, and deliver money through an agreed method. Providers that follow the act are not treated as lenders, money transmitters, or debt collectors solely for these services. Their services also do not violate state rules on selling, transferring, or directing payment of earned but unpaid income.
Workers gain fee and collection protections
Covered Arkansas wage access providers must state before each transaction and in their contracts that tips are voluntary and can be zero. Tips cannot affect access, payment amounts, or payment frequency; providers cannot mislead users about tips or claim they help a specific person or group. Providers cannot share fees or tips with employers, require credit reports or scores for eligibility, or accept repayment by credit or charge card. They cannot charge late fees, deferral fees, interest, or other nonpayment penalties, or collect through lawsuits, outside collectors, or sales to debt buyers. Providers also cannot use false or misleading ads or leave out facts needed to avoid misleading consumers.
Workers get refunds for withdrawal errors
Covered Arkansas wage access providers must follow federal electronic payment rules when collecting repayment from your bank account. They must refund the full overdraft or insufficient-funds fee caused by an attempted withdrawal before the disclosed date. The same refund rule applies when the attempted withdrawal differs from the disclosed amount. This protection does not cover payments you incurred through fraud or other unlawful means.
Some workers' early pay services excluded
Arkansas's wage access protections do not cover every early pay service. They exclude earnings verifiers that have no contractual duty to fund payments and employers that directly pay workers early. They also exclude wage access providers that report consumer payment or nonpayment information to credit bureaus. Banks, savings and loan companies, and credit unions organized under state or federal banking laws are outside this framework. Users of these excluded services do not receive this act's protections through this framework.
Sponsors & Cosponsors
Sponsors
Ben Gilmore
Republican • Senate
David Ray
Republican • House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 3/17/2025
Senate Vote - Monday, March 17, 2025 3:39:01 PM
Yes: 31 • No: 0 • Other: 3
House vote • 3/10/2025
House Vote - Monday, March 10, 2025 1:58:32 PM
Yes: 93 • No: 3 • Other: 4
Actions Timeline
Notification that HB1517 is now Act 347
3/20/2025HouseCorrectly enrolled and ordered transmitted to the Governor's Office.
3/18/2025HouseTO BE ENROLLED
3/17/2025HouseReturned from the Senate as passed.
3/17/2025HouseReturned to the House as passed.
3/17/2025SenateRead the third time and passed.
3/17/2025SenateReturned by the Committee, with the recommendation that it Do Pass
3/13/2025SenateRead first time, rules suspended, read second time, referred to INSURANCE & COMMERCE - SENATE
3/10/2025SenateReceived from the House.
3/10/2025SenateRead the third time and passed and ordered transmitted to the Senate.
3/10/2025HouseREPORTED CORRECTLY ENGROSSED
3/6/2025HouseAmendment No. 2 read and adopted and the bill ordered engrossed.
3/6/2025HousePlaced on second reading for the purpose of amendment.
3/6/2025HouseReturned by the Committee with the recommendation that it do pass as amended 2
3/5/2025HouseREPORTED CORRECTLY ENGROSSED
3/4/2025HouseAmendment No. 1 read and adopted and the bill ordered engrossed.
3/4/2025HousePlaced on second reading for the purpose of amendment.
3/4/2025HouseRead the first time, rules suspended, read the second time and referred to the Committee on INSURANCE & COMMERCE- HOUSE
2/18/2025HouseFiled
2/18/2025House
Bill Text
HB1517 - Introduced
2/18/2025
Act Version
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