119th Congress · introduced in the House · Jun 18, 2026
Earned Wage Access Consumer Protection Act
Official title from Congress.gov
Latest action (Sep 1, 2026): Placed on the Union Calendar, Calendar No. 690.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Reported to House (Sep 1, 2026)
Earned Wage Access Consumer Protection Act
This bill addresses the regulation of earned wage access products. Earned wage access products provide consumers with access to their earned wages before their scheduled pay day.
The bill specifies that earned wage access products are not subject to regulation under the Truth in Lending Act (TILA). TILA requires consumer credit products to disclose borrowing costs, finance charges, and the total cost of the loan.
Under the bill, providers of earned wage access products
• must provide an alternative no-cost option for receiving earned wages if the provider offers an option to receive earned wages for a fee;
• are prohibited from bringing civil suits or from pursuing collection to compel repayment, except in cases of fraud; and
Show the full summary (4 more paragraphs)No cosponsors.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Placed on the Union Calendar, Calendar No. 690.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-790.
Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 22.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Bank accounts, deposits, capital · Business records · Consumer affairs · Fraud offenses and financial crimes · User charges and fees · Wages and earnings
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
38 citations; showing the 25 most recently posted.
SOUTHERN POVERTY LAW CENTER, INC. · lobbying firm or registrant: SOUTHERN POVERTY LAW CENTER, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Civil Rights/Civil Liberties
$1,700,000
Spent on own lobbying
…Security Act S. 4632 - Prevent Government Shutdowns Act Support H.R. 8555 - Living Wage for All Act S. 3956 - Make Billionaires Pay Their Fair Share Act Oppose H.R. 9330 - Earned Wage Access Consumer Protection Act H.R. 8000 - National Defense Authorization Act (opposing provisions/riders restricting equal-opportunity initiativ…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SOUTHERN POVERTY LAW CENTER, INC. · lobbying firm or registrant: SOUTHERN POVERTY LAW CENTER, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Law Enforcement/Crime/Criminal Justice
$1,700,000
Spent on own lobbying
…Security Act S. 4632 - Prevent Government Shutdowns Act Support H.R. 8555 - Living Wage for All Act S. 3956 - Make Billionaires Pay Their Fair Share Act Oppose H.R. 9330 - Earned Wage Access Consumer Protection Act H.R. 8000 - National Defense Authorization Act (opposing provisions/riders restricting equal-opportunity initiativ…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SOUTHERN POVERTY LAW CENTER, INC. · lobbying firm or registrant: SOUTHERN POVERTY LAW CENTER, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Immigration
$1,700,000
Spent on own lobbying
…Security Act S. 4632 - Prevent Government Shutdowns Act Support H.R. 8555 - Living Wage for All Act S. 3956 - Make Billionaires Pay Their Fair Share Act Oppose H.R. 9330 - Earned Wage Access Consumer Protection Act H.R. 8000 - National Defense Authorization Act (opposing provisions/riders restricting equal-opportunity initiativ…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SOUTHERN POVERTY LAW CENTER, INC. · lobbying firm or registrant: SOUTHERN POVERTY LAW CENTER, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Budget/Appropriations
$1,700,000
Spent on own lobbying
…Security Act S. 4632 - Prevent Government Shutdowns Act Support H.R. 8555 - Living Wage for All Act S. 3956 - Make Billionaires Pay Their Fair Share Act Oppose H.R. 9330 - Earned Wage Access Consumer Protection Act H.R. 8000 - National Defense Authorization Act (opposing provisions/riders restricting equal-opportunity initiativ…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SOUTHERN POVERTY LAW CENTER, INC. · lobbying firm or registrant: SOUTHERN POVERTY LAW CENTER, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Accounting
$1,700,000
Spent on own lobbying
…Security Act S. 4632 - Prevent Government Shutdowns Act Support H.R. 8555 - Living Wage for All Act S. 3956 - Make Billionaires Pay Their Fair Share Act Oppose H.R. 9330 - Earned Wage Access Consumer Protection Act H.R. 8000 - National Defense Authorization Act (opposing provisions/riders restricting equal-opportunity initiativ…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$70,000
Spent on own lobbying
…nd anti-redlining protections. FDIC proposed rule on state bank parity and Riegle-Neal preemption, concerning state consumer lending protections and H.R. 7866. H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Cred…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Veterans
$70,000
Spent on own lobbying
Military Lending Act protections and its 36% Military Annual Percentage Rate cap, including proposed exemptions for earned wage access products (H.R. 9330). Consumer Financial Protection Bureau supervision for compliance with the Military Lending Act and Servicemembers Civil Relief Act, including staffing changes…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Civil Rights/Civil Liberties
$70,000
Spent on own lobbying
…OppFi). Application of the Equal Credit Opportunity Act to emerging consumer financial products, including proposed exemptions for earned wage access products (H.R. 9330). FY2027 appropriations riders concerning diversity, equity, inclusion, and accessibility.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Consumer Issues/Safety/Products
$70,000
Spent on own lobbying
H.R. 9330 - Earned Wage Access Consumer Protection Act, opposing exemptions from state usury limits, the Military Lending Act, and the Equal Credit Opportunity Act. H.R.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FEDERATION OF TEACHERS · lobbying firm or registrant: AMERICAN FEDERATION OF TEACHERS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Labor Issues/Antitrust/Workplace
$420,000
Spent on own lobbying
…rtment of Labor Fiduciary Duty Rule FLRA related issues Career Skills Training issues and Apprenticeships issues The Toxic Substance Control Act related issues H.R.9330, Earned Wage Access Consumer Protection Act, Entirety
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$120,000
Spent on own lobbying
…a Act: provisions related to artificial intelligence. H.R. 8671 - Bank Fraud Technology Advancement Act of 2026: provisions related to artificial intelligence. H.R. 9330 - Earned Wage Access Consumer Protection Act: provisions related to earned wage access. H.R. 9331 - STOP Payments Fraud Act of 2026: provisions related to regu…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DAILYPAY, LLC · lobbying firm or registrant: DAILYPAY, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$90,000
Spent on own lobbying
Issues related to financial services and earned wage access; H.R. 9330 - Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EARNIN · lobbying firm or registrant: O'NEIL BRADLEY CONSULTING LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
Issues related to earned wage access; HR 9330 Earned Wage Access and Consumer Protection Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN ASSOCIATION FOR JUSTICE · lobbying firm or registrant: AMERICAN ASSOCIATION FOR JUSTICE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,580,000
Spent on own lobbying
…ng the Secondary Trading Market Act. Draft legislation on reforming the Gramm-Leach-Bliley Act of 1999. H.R.8141 - Fair Credit Reporting Reseller Accuracy Act. H.R.9330 - Earned Wage Access Consumer Protection Act. Draft legislation on Chapter 15 Bankruptcy. H.R.10184 - Consumer Financial Protection Accountability and Reform A…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
KIKOFF INC. · lobbying firm or registrant: PORTERFIELD, FETTIG & SEARS, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Paid to lobbying firm
Issues related to access to credit. H.R. 9330, Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACTIVEHOURS INC., D/B/A EARNIN · lobbying firm or registrant: FORBES-TATE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 18, 2026 · issue area: Banking
$50,000
Paid to lobbying firm
Issues related to banking and consumer protection legislation; Issues related to H.R. 9330 - Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INNOVATIVE PAYMENTS ASSOCIATION · lobbying firm or registrant: OGR
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 17, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Advisory opinion on earned wage access; H.R.9330, Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHIME FINANCIAL, INC. · lobbying firm or registrant: CHIME FINANCIAL, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 15, 2026 · issue area: Financial Institutions/Investments/Securities
$280,000
Spent on own lobbying
H.R. 9330: Earned Wage Access Consumer Protection Act. Issues related to bank fintech partnerships, interchange fees, Trump accounts, and AI policy.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACTIVEHOURS, INC. D/B/A EARNIN · lobbying firm or registrant: HOLLAND & KNIGHT LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 4, 2026 · issue area: Banking
$30,000
Paid to lobbying firm
H.R.9330 - Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
KIKOFF INC. · lobbying firm or registrant: PORTERFIELD, FETTIG & SEARS, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Paid to lobbying firm
Issues related to access to credit. H.R. 9330, Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$90,000
Spent on own lobbying
H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Cred…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Veterans
$90,000
Spent on own lobbying
Military Lending Act protections and its 36% Military Annual Percentage Rate cap, including proposed exemptions for earned wage access products (H.R. 9330). Consumer Financial Protection Bureau examination and supervision for compliance with the Military Lending Act and the Servicemembers Civil Relief Act (SCRA),…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Civil Rights/Civil Liberties
$90,000
Spent on own lobbying
…6955). Application of the Equal Credit Opportunity Act to emerging consumer financial products, including proposed exemptions for earned wage access products (H.R. 9330). FY2027 appropriations riders concerning diversity, equity, inclusion, and accessibility.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$90,000
Spent on own lobbying
…sumer financial fees, including Consumer Financial Protection Bureau rules on credit card late fees and overdraft fees and supervision of payment applications. H.R. 9330 - Earned Wage Access Consumer Protection Act; high-cost and predatory consumer lending, including Enova and OppFi bank applications.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DAILYPAY, LLC · lobbying firm or registrant: DAILYPAY, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$90,000
Spent on own lobbying
H.R.7428 - Earned Wage Access Consumer Protection Act Issues related to financial services and earned wage access H.R. 9330 - Earned Wage Access Consumer Protection Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing