An Act to create 203.04 (2) (i), 203.04 (5) and 203.09 of the statutes; Relating to: earned wage access services.
Sponsored By: Alex Dallman (Republican)
Became Law
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Caps on fees for wage advances
The law caps what licensed earned wage access providers can charge. For any advance of $75 or less, the fee cannot be more than $5. For any advance over $75, the fee cannot be more than $7.50. Starting January 1, 2030, and every five years after, the Division updates these caps for inflation using the U.S. city average CPI and posts the changes on the DFI website.
New legal rules for wage advances
If a licensed provider follows this chapter, certain state consumer and finance laws do not apply to its earned wage access services. The exemption only covers providers that are licensed and in compliance. The new chapter’s rules, not those other statutes, govern these services.
Sponsors & Cosponsors
Sponsor
Alex Dallman
Republican • House
Cosponsors
Rob Stafsholt
Republican • Senate
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Published 4-4-2026
4/3/2026HouseReport approved by the Governor on 4-3-2026. 2025 Wisconsin Act 199
4/3/2026HousePresented to the Governor on 4-2-2026
4/2/2026HouseReport correctly enrolled on 3-20-2026
3/20/2026HouseLRB correction (Assembly Substitute Amendment 2)
3/20/2026HouseReceived from Senate concurred in
3/18/2026HouseOrdered immediately messaged
3/17/2026SenateRead a third time and concurred in
3/17/2026SenateRules suspended to give bill its third reading
3/17/2026SenateOrdered to a third reading
3/17/2026SenateRead a second time
3/17/2026SenatePlaced on calendar 3-17-2026 pursuant to Senate Rule 18(1)
3/16/2026SenateAvailable for scheduling
3/11/2026SenateReport concurrence recommended by Committee on Financial Institutions and Sporting Heritage, Ayes 5, Noes 0
3/11/2026SenateExecutive action taken
3/9/2026SenatePublic hearing held
3/4/2026SenateRead first time and referred to committee on Financial Institutions and Sporting Heritage
2/25/2026SenateReceived from Assembly
2/23/2026SenateOrdered immediately messaged
2/19/2026HouseRead a third time and passed
2/19/2026HouseRules suspended
2/19/2026HouseOrdered to a third reading
2/19/2026HouseAssembly Substitute Amendment 2 adopted
2/19/2026HouseAssembly Substitute Amendment 2 offered by Representative Dallman
2/19/2026HouseRead a second time
2/19/2026House
Bill Text
Assembly Substitute Amendment 2
2/19/2026
Bill Text
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