# Arkansas HB1517: TO ESTABLISH THE EARNED WAGE ACCESS SERVICES ACT. Arkansas HB1517, TO ESTABLISH THE EARNED WAGE ACCESS SERVICES ACT., is a 2025 Regular Session House bill sponsored by Ben Gilmore (Republican), David Ray (Republican); status enacted, last action 2025-03-20 (Notification that HB1517 is now Act 347); PRIA reads it as touching household money (as of 2026-10-16). - Canonical: https://policyrisk.com/state-bill/AR-HB1517-2025 - As of: 2026-10-16 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Arkansas HB1517 - State: Arkansas - Session: 2025 Regular Session - Title: TO ESTABLISH THE EARNED WAGE ACCESS SERVICES ACT. - Status: enacted - Chamber: House - Introduced: 2025-02-18 - Last action: 2025-03-20, Notification that HB1517 is now Act 347 - Sponsors: Ben Gilmore (Republican), David Ray (Republican) - Cosponsors: 0 - Touches household money: yes - Roll calls: 2 (124 yes, 3 no in all) - Economic provisions PRIA read: 4 ## Summary No summary available. ## Bill overview: provisions PRIA read - Free wage access options for workers: benefit, low. 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… - Workers gain fee and collection protections: benefit, low. 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. Provid… - Workers get refunds for withdrawal errors: benefit, low. 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 atte… - Some workers' early pay services excluded: cost, low. 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 cr… ## Sponsors and cosponsors - Sponsor: Ben Gilmore (Republican), Senate - Sponsor: David Ray (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-03-17 | Senate | Senate Vote - Monday, March 17, 2025 3:39:01 PM | pass | 31 | 0 | 3 | | 2025-03-10 | House | House Vote - Monday, March 10, 2025 1:58:32 PM | pass | 93 | 3 | 4 | ## Actions (19) - 2025-03-20: Notification that HB1517 is now Act 347 (House) - 2025-03-18: Correctly enrolled and ordered transmitted to the Governor's Office. (House) - 2025-03-17: TO BE ENROLLED (House) - 2025-03-17: Returned from the Senate as passed. (House) - 2025-03-17: Returned to the House as passed. (Senate) - 2025-03-17: Read the third time and passed. (Senate) - 2025-03-13: Returned by the Committee, with the recommendation that it Do Pass (Senate) - 2025-03-10: Read first time, rules suspended, read second time, referred to INSURANCE & COMMERCE - SENATE (Senate) - 2025-03-10: Received from the House. (Senate) - 2025-03-10: Read the third time and passed and ordered transmitted to the Senate. (House) - 2025-03-06: REPORTED CORRECTLY ENGROSSED (House) - 2025-03-06: Amendment No. 2 read and adopted and the bill ordered engrossed. (House) - 2025-03-06: Placed on second reading for the purpose of amendment. (House) - 2025-03-05: Returned by the Committee with the recommendation that it do pass as amended 2 (House) - 2025-03-04: REPORTED CORRECTLY ENGROSSED (House) - 2025-03-04: Amendment No. 1 read and adopted and the bill ordered engrossed. (House) - 2025-03-04: Placed on second reading for the purpose of amendment. (House) - 2025-02-18: Read the first time, rules suspended, read the second time and referred to the Committee on INSURANCE & COMMERCE- HOUSE (House) - 2025-02-18: Filed (House) ## Bill text - HB1517 - Introduced, 2025-02-18: [PDF](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FBills%2F2025R%2FPublic%2FHB1517.pdf) - Act Version: [PDF](https://www.arkleg.state.ar.us/Acts/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2F&file=347.pdf&ddBienniumSession=2025%2F2025R) ## Related bills - HB1265: AN ACT FOR THE UNIVERSITY OF ARKANSAS AT LITTLE ROCK APPROPRIATION FOR THE 2025-2026 FISCAL YEAR. (enacted) - HB1686: TO AMEND THE LAW CONCERNING LICENSES TO CARRY CONCEALED HANDGUNS. (failed) - HB1237: TO PROHIBIT MEDICAL PROFESSIONALS FROM SOLICITING INJURED INDIVIDUALS; AND TO SET PENALTIES FOR A VIOLATION OF THE PROHIBITION OF SOLICITATION OF INJURED INDIV… (failed) - SB440: TO AMEND THE LAW CONCERNING EMBALMERS AND FUNERAL DIRECTORS; TO REGULATE THE USE OF ALKALINE HYDROLYSIS; AND TO REGULATE ALKALINE HYDROLYSIS FACILITIES. (failed) - HB1695: TO CLARIFY THE FORECLOSURE PROCESS FOR PROPERTY SUBJECT TO A MUNICIPAL LIEN; TO ALLOW A MUNICIPALITY TO PETITION TO SET ASIDE THE SALE OF PROPERTY TO CERTAIN P… (failed) - HR1012: TO AMEND THE RULES OF THE HOUSE OF REPRESENTATIVES OF THE NINETY-FIFTH GENERAL ASSEMBLY; TO REQUIRE THAT A MEMBER OF THE HOUSE OF REPRESENTATIVES BE SELECTED A… (failed) ## Sources - [HB1517 - Introduced (PDF)](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FBills%2F2025R%2FPublic%2FHB1517.pdf) - [Act Version (PDF)](https://www.arkleg.state.ar.us/Acts/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2F&file=347.pdf&ddBienniumSession=2025%2F2025R) ## Related - [HB1265: AN ACT FOR THE UNIVERSITY OF ARKANSAS AT LITTLE ROCK APPROPRIATION FOR THE 2025…](https://policyrisk.com/state-bill/AR-HB1265-2025) - [HB1686: TO AMEND THE LAW CONCERNING LICENSES TO CARRY CONCEALED HANDGUNS.](https://policyrisk.com/state-bill/AR-HB1686-2025) - [HB1237: TO PROHIBIT MEDICAL PROFESSIONALS FROM SOLICITING INJURED INDIVIDUALS; AND TO S…](https://policyrisk.com/state-bill/AR-HB1237-2025) - [SB440: TO AMEND THE LAW CONCERNING EMBALMERS AND FUNERAL DIRECTORS; TO REGULATE THE US…](https://policyrisk.com/state-bill/AR-SB440-2025) - [HB1695: TO CLARIFY THE FORECLOSURE PROCESS FOR PROPERTY SUBJECT TO A MUNICIPAL LIEN; TO…](https://policyrisk.com/state-bill/AR-HB1695-2025) - [HR1012: TO AMEND THE RULES OF THE HOUSE OF REPRESENTATIVES OF THE NINETY-FIFTH GENERAL…](https://policyrisk.com/state-bill/AR-HR1012-2025) - [Arkansas bills](https://policyrisk.com/states/arkansas/bills) - [Arkansas state hub](https://policyrisk.com/states/arkansas) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/AR-HB1517-2025 (as of 2026-10-16).