All Roll Calls
Yes: 131 • No: 1
UtahH.B. 2792025 General SessionHouseWALLET
Earned Wage Access Services Act
Sponsored By: A. Cory Maloy (Republican)
Signed by Governor
BusinessFinancial InstitutionsLabor and EmploymentWages
Personalized for You
How does this bill affect your finances?
Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
3 provisions identified: 1 benefits, 0 costs, 2 mixed.
New protections for workers accessing earned pay
Beginning May 7, 2025, Utah workers using covered earned wage access services gain new rights. Providers must offer a no-fee delivery option, explain how to choose it, and allow cancellation without penalty. Before an agreement, providers must explain rights, fees, and voluntary tips or donations. Each request must show delivery timing, requested and net amounts, fees, receiving account, and the authorized withdrawal date, including tips. Workers must acknowledge an opportunity to review disclosures before an advance; material term changes require consent or 30 days’ advance notice. Providers must deliver funds as agreed, have complaint procedures, and follow privacy and information-security laws. They must repay overdraft or insufficient-funds fees caused by their payment amount or date errors, unless workers obtained funds through fraud. Providers cannot require fees or tips, mislead workers about voluntary tips, use credit reports or scores for eligibility, or accept credit or charge cards. They cannot use or threaten lawsuits, outbound calls, outside collectors, or debt sales to force repayment, or charge nonpayment fees or penalties. However, providers can block another advance while an earlier advance from that provider remains unpaid.
Utah can penalize wage access violations
Utah’s Division of Consumer Protection can enforce the law through agency proceedings and court actions. It can deny, suspend, or revoke registration when the public interest and a listed legal ground support action. Grounds include false or incomplete applications, consumer-law violations, specified fraud or dishonesty findings or convictions, and missing information or payments. The Division can impose administrative fines up to $2,500 per violation; courts can impose fines up to $2,500 per violation. Each separate act breaking the law’s prohibitions counts separately, and breaking an enforcement order carries penalties up to $5,000 per violation. Courts can stop violations and order providers to give up money and pay injured consumers. Courts must award the Division reasonable attorney fees, court costs, and investigative fees when it wins judgment or an injunction. Fines and penalties go to Utah’s Consumer Protection Education and Training Fund.
Wage access providers face new registration rules
Covered earned wage access providers must register with Utah’s Division of Consumer Protection and renew each year. They pay state-set application and renewal fees, submit their consumer agreement, and provide information required by state rules. Their principal must submit fingerprints and consent to state and federal background checks, at the provider’s expense. Providers operating on May 7, 2025, could continue while awaiting a decision by applying by October 6, 2025, and following the law; denied providers must stop. Employers advancing their own wages, payroll verifiers that do not fund advances, and entities regulated under Utah’s Financial Institutions Act are excluded. Covered providers are exempt from Utah’s Financial Institutions Act and Collection Agencies Act, but wage-protection laws still apply. Services are not treated as loans, credit, debt, or money transmission when providers lack the corresponding legal status. Fees and voluntary tips or donations paid under this law are not interest or finance charges.
Sponsors & Cosponsors
Sponsor
A. Cory Maloy
Republican • House
Cosponsors
Chris H. Wilson
Republican • Senate
Roll Call Votes
Senate vote • 3/4/2025
Senate/ passed 2nd & 3rd readings/ suspension
Yes: 26 • No: 0
Senate vote • 2/28/2025
Senate Comm - Favorable Recommendation
Yes: 4 • No: 0
House vote • 2/24/2025
House/ passed 3rd reading
Yes: 67 • No: 0
House vote • 2/18/2025
House Comm - Substitute Recommendation
Yes: 11 • No: 0
House vote • 2/18/2025
House Comm - Amendment Recommendation
Yes: 11 • No: 1
House vote • 2/18/2025
House Comm - Favorable Recommendation
Yes: 12 • No: 0
Actions Timeline
Governor Signed
3/25/2025House/ to Governor
3/13/2025HouseHouse/ received enrolled bill from Printing
3/13/2025HouseHouse/ enrolled bill to Printing
3/13/2025HouseEnrolled Bill Returned to House or Senate
3/13/2025Draft of Enrolled Bill Prepared
3/5/2025Bill Received from House for Enrolling
3/5/2025House/ signed by Speaker/ sent for enrolling
3/5/2025HouseHouse/ received from Senate
3/5/2025HouseSenate/ to House
3/4/2025SenateSenate/ signed by President/ returned to House
3/4/2025SenateSenate/ passed 2nd & 3rd readings/ suspension
3/4/2025SenateSenate/ 2nd & 3rd readings/ suspension
3/4/2025SenateSenate/ placed on 2nd Reading Calendar
2/28/2025SenateSenate/ committee report favorable
2/28/2025SenateSenate Comm - Favorable Recommendation
2/28/2025SenateSenate/ to standing committee
2/26/2025SenateSenate/ 1st reading (Introduced)
2/25/2025SenateSenate/ received from House
2/25/2025SenateHouse/ to Senate
2/24/2025HouseHouse/ passed 3rd reading
2/24/2025HouseHouse/ 3rd reading
2/24/2025HouseHouse/ 2nd reading
2/18/2025HouseHouse/ comm rpt/ substituted/ amended
2/18/2025HouseHouse Comm - Favorable Recommendation
2/18/2025House
Bill Text
Enrolled
3/13/2025
Amended 2/18/2025 14:02:415
2/18/2025
Substitute #2
2/18/2025
Substitute #1
2/13/2025
Introduced
1/20/2025