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LouisianaHB 3682025 Regular SessionHouseWALLET

CONSUMERS: Provides relative to earned wage access services (EN +$16,544 SG EX See Note)

Sponsored By: Vincent "Vinney" St. Blanc III (Republican)

Became Law

Commerce, Consumer Protection and International AffairsCommerce

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 3 benefits, 0 costs, 1 mixed.

Free options for early wage access

Louisiana services that offer earned wages before payday must explain rights, fees, and major changes before they apply. Providers must handle questions and complaints, follow privacy and security laws, and use an agreed delivery method. You can cancel anytime without a cancellation fee; providers charging for access or seeking tips must explain a free option delivering the same amount. Tips must be clearly optional and cannot affect eligibility. Bank-account collections must follow federal electronic-transfer law, and providers must repay overdraft or insufficient-funds fees caused by early or incorrect withdrawals, except fraudulent payments.

Workers gain wage access fee protections

Louisiana wage access providers cannot use credit scores for eligibility or accept credit or charge cards for repayment. They cannot charge interest, late fees, deferral fees, or other nonpayment charges, or tie access amounts or frequency to fees or tips. Providers cannot collect through lawsuits, unsolicited outbound calls, outside collectors, or sales to debt collectors or buyers. They cannot share consumer-paid fees, tips, or donations with employers. Ads cannot mislead or leave out key facts, and providers cannot misrepresent tips as required or benefiting specific people.

Compliant wage access providers avoid lender status

Providers following the law's consumer safeguards and prohibited-practice rules are not treated as lenders, money transmitters, or debt collectors under Louisiana law. Their covered services also are not treated as violating state minimum-wage, overtime, or payroll-deduction laws. The same protection covers laws on selling, assigning, or directing payment of earned but unpaid income. This legal treatment depends on compliance and does not create a household payment.

Wage access providers face reporting penalties

Fee-charging providers must report the prior year's activity to Louisiana's Office of Financial Institutions each March 1, starting March 1, 2027. Reports must list revenue, transaction and customer counts, wage amounts delivered, fees and tips received, and complaints and resolutions. The office must publish a combined public report each year by July 1. Missing a required deadline removes the provider's access to the law's protections and makes its covered consumer contracts legally invalid. The Louisiana Attorney General can enforce the rules under state consumer protection law.

Sponsors & Cosponsors

Sponsor

  • Vincent "Vinney" St. Blanc III

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 143 • No: 0

Senate vote • 6/2/2025

Read by title, passed by a vote of 37 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

Yes: 37 • No: 0

House vote • 5/19/2025

Read third time by title, amended, roll called on final passage, yeas 93, nays 0. Finally passed, title adopted, ordered to the Senate.

Yes: 93 • No: 0

House vote • 5/13/2025

Reported with amendments

Yes: 13 • No: 0

Actions Timeline

  1. Sent to the Governor for executive approval.

    6/5/2025House

  2. Signed by the President of the Senate.

    6/4/2025Senate

  3. Received from the Senate without amendments.

    6/3/2025House

  4. Enrolled and signed by the Speaker of the House.

    6/3/2025House

  5. Read by title, passed by a vote of 37 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

    6/2/2025Senate

  6. Read by title and referred to the Legislative Bureau.

    6/1/2025Senate

  7. Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.

    6/1/2025Senate

  8. Reported favorably.

    5/29/2025Senate

  9. Read second time by title and referred to the Committee on Commerce, Consumer Protection and International Affairs.

    5/21/2025Senate

  10. Received in the Senate. Read first time by title and placed on the Calendar for a second reading.

    5/20/2025Senate

  11. Read third time by title, amended, roll called on final passage, yeas 93, nays 0. Finally passed, title adopted, ordered to the Senate.

    5/19/2025House

  12. Scheduled for floor debate on 05/19/2025.

    5/15/2025House

  13. Read by title, amended, ordered engrossed, passed to 3rd reading.

    5/14/2025House

  14. Reported with amendments (13-0).

    5/13/2025House

  15. Read by title, under the rules, referred to the Committee on Commerce.

    4/14/2025House

  16. Prefiled.

    4/3/2025House

  17. Under the rules, provisionally referred to the Committee on Commerce.

    4/3/2025House

  18. Becomes Act No. 496 without the Governor's signature.

    7/1/2024House

  19. Effective date: 08/01/2025.

    7/1/2024House

Bill Text

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