Sources
Everything on this site comes from these official documents. Each page also lists its own sources next to the facts they support.
Federal
- CFPB: Advisory opinion: Truth in Lending (Regulation Z); Earned Wage Access Programs (85 FR 79404) (2020-12-10)
- CFPB: Compliance Assistance Sandbox approval order for Payactiv (2020-12-30)
- CFPB: CFPB terminates Payactiv's sandbox approval order (2022-06-30)
- CFPB: Proposed interpretive rule: Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work (89 FR 61358) (2024-07-31)
- CFPB: Advisory opinion rescinding the 2020 EWA advisory opinion (90 FR 3622) (2025-01-15)
- CFPB: Withdrawal of guidance documents (90 FR 20084) (2025-05-12)
- CFPB: Advisory opinion: Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products (90 FR 60069) (2025-12-23)
- U.S. House (118th Congress): H.R. 7428, Earned Wage Access Consumer Protection Act (2024-12-03)
- U.S. House (119th Congress): H.R. 9330, Earned Wage Access Consumer Protection Act (2026-09-01)
Checked 2026-10-18.
States
Arizona
- Arizona AG Opinion I22-005 (R22-011)
- A.R.S. Title 6 index (Arizona Legislature)
- HB 2309 (2026), introduced version
Checked 2026-10-18.
California
- DFPI: Income-Based Advances
- DFPI: 2021 Earned Wage Access Data Findings
- DFPI: PRO 01-21 final regulation text
Checked 2026-10-18.
Connecticut
- Public Act 25-155 (Substitute SB 1396), approved July 8, 2025
- Department of Banking guidance on PA 23-126 (Sept. 11, 2023)
Checked 2026-10-18.
Georgia
Checked 2026-10-18.
Indiana
- Indiana Code Title 28 (IC 28-8-6, Indiana Earned Wage Access Act)
- DFI: Guidance on Licensure under the new Indiana Earned Wage Access Act
- DFI: Consumer Credit Licensing
- DFI: Earned Wage Access licensee listing
Checked 2026-10-18.
Kansas
- K.S.A. 9-2401 (Kansas Revisor of Statutes)
- K.S.A. 9-2405 Registrant requirements
- K.S.A. 9-2406 Prohibited acts
- K.S.A. 9-2407 Not a loan or money transmission
- OSBC: Kansas Earned Wage Access Legislation (June 18, 2024)
- OSBC: Earned Wage Access Application - Available Now (Nov. 12, 2024)
Checked 2026-10-18.
Louisiana
- La. R.S. 9:3591.1 Short title
- La. R.S. 9:3591.3 Required acts
- La. R.S. 9:3591.4 Prohibited acts
- La. R.S. 9:3591.5 Statutory compliance
- La. R.S. 9:3591.6 Fee reporting
- HB 368 (2025 Regular Session) bill history
Checked 2026-10-18.
Maryland
- 2025 Laws of Maryland, Chapter 847 (HB 1294)
- OFR Advisory for Earned Wage Access Providers (May 5, 2026)
- OFR Notice of Final Action: EWA Reporting (July 24, 2026)
Checked 2026-10-18.
Missouri
- RSMo 361.749 (effective Aug. 28, 2026)
- RSMo 361.749 (2023 version, effective Aug. 28, 2023)
- Division of Finance: Earned Wage Access (EWA)
- Division of Finance licensee list (CSV export)
Checked 2026-10-18.
Montana
Checked 2026-10-18.
Nevada
- NRS Chapter 604D (Nevada Legislature)
- SB 290 (2023), enrolled text, Sec. 37 effective dates
- FID: Earned Wage Access Providers
- FID: Licensing Information (licensee lookup links)
Checked 2026-10-18.
New York
- NY AG press release, April 14, 2025
- Complaint: People v. MoneyLion Inc.
- Verified Petition: People v. DailyPay, Inc.
- NY Banking Law (NYSenate.gov Open Legislation)
- S3332-A (2025-2026)
Checked 2026-10-18.
South Carolina
- S.C. Code Title 39, Chapter 5, Article 8 (SC Earned Wage Access Services Act)
- 2023-2024 Bill 700 (S.700), enacted as 2024 Act No. 190
- DCA: Earned Wage Access Services Provider
- DCA: Licensee Lookup
- DCA: 2025 Earned Wage Access Data Report
Checked 2026-10-18.
Utah
- Utah Code Title 13, Chapter 78 (Earned Wage Access Services Act)
- Utah Code 13-78-103 (effective May 6, 2026)
- Utah Code 13-78-106 Applicability
- DCP: Earned Wage Access Services
- DCP Registered Entities Search
Checked 2026-10-18.
Wisconsin
- Wis. Stat. ch. 203 (PDF, published Oct. 1, 2026)
- 2023 Wisconsin Act 131
- 2025 Wisconsin Act 199
- DFI: Earned Wage Access Services Provider
Checked 2026-10-18.
Apps
Albert
- Albert Help: How do I qualify for cash advances?
- Albert Help: How much does Albert cost?
- Albert's Terms of Use (last updated October 15, 2026)
- Albert Help: What are fast transfers?
- Albert Help: What is Albert Instant?
- Albert Help: How do I repay cash advances?
- Albert Help: What are cash advances?
- Albert Help: How does Instant advance repayment work?
- Albert Help: Getting set up
- Albert Help: External overdraft reimbursement policy
Checked 2026-10-18.
Brigit
- Brigit Help: Will everyone qualify for $500?
- Brigit Help: How much does Brigit cost?
- Brigit Terms of Service
- Brigit Help: Does Brigit charge late fees or penalties?
- Brigit Help: How does Brigit work?
- Brigit Help: When will I get the Brigit advance?
- Brigit Help: Is there a free option for receiving an advance?
- Brigit Help: When do I pay back the advance?
- Brigit Help: Can I change my advance due date?
- Brigit Help: Eligibility Requirements
- Brigit Help: What Banks Does Brigit Work With?
- Brigit Help: What does it mean that Brigit will be a part of Upbound?
- Brigit Help: When will I be billed for my Brigit subscription?
- FTC case page: Bridge It, Inc., FTC v. (Brigit)
- Minnesota Attorney General press release (2026-06-10)
Checked 2026-10-18.
Cash App Borrow
- Cash App Borrow page (incl. FAQ and footnotes)
- Cash App Help: Borrow fees
- SFS Borrow Loan Agreement (Effective December 2, 2025)
- Cash App Help: About Borrow
- Cash App Access Cash page
- Cash App Help: Borrow and your credit
- CFPB enforcement action: Block, Inc. (Jan. 16, 2025)
- Kansas OSBC: Kansas Joins $80 Million Enforcement Action Against Block, Inc. (Jan. 21, 2025)
- Colorado Attorney General: $45M nationwide settlement with Block, Inc. (July 8, 2026)
Checked 2026-10-18.
Chime SpotMe and MyPay
- Chime SpotMe page
- MyPay Agreement (The Bancorp Bank), effective 06/2026
- SpotMe Terms and Conditions (The Bancorp Bank), effective 04/2026
- Chime MyPay page
- SpotMe Terms (Stride Bank)
- MyPay Agreement (Stride Bank)
- CFPB enforcement action: Chime Financial, Inc. (May 7, 2024)
- California DFPI Consent Order, Chime Financial, Inc. (Feb. 2024)
- California DFPI Settlement Agreement, Chime Financial, Inc. (Mar. 29, 2021)
- Illinois IDFPR Settlement Agreement and Consent Order 2021-DB-01
Checked 2026-10-18.
Cleo
- Cleo AI: Cash Advance & Budget, Apple App Store listing (legal disclosures)
- Cleo FAQ: How do I request a cash advance? (Aug 10, 2026)
- Cleo FAQ: Will I pay interest on my cash advance?
- Cleo FAQ: How do I repay my cash advance?
- FTC case page: Cleo AI, Inc., FTC v.
Checked 2026-10-18.
DailyPay
- DailyPay Help: Does DailyPay Have Transfer Limits?
- DailyPay On-Demand Pay Program Terms (Last updated June 3, 2026)
- DailyPay Help: How can I transfer my earnings without paying fees?
- DailyPay Help: How to get started with DailyPay
- DailyPay Help: What happens on payday now that I'm with DailyPay?
- DailyPay Help: How does DailyPay work?
- DailyPay Help: Why is the Debit Card I'm Trying to Use to Receive a Now Transfer Unsupported?
- DailyPay Terms of Service (Last updated March 30, 2026)
- DailyPay compliance / licenses
- DailyPay Help: What is the fee for Now instant transfer?
- DailyPay Help: How do instant transfers work?
- DailyPay Help: How do next business day transfers work?
- DailyPay Help: What are available earnings?
- DailyPay Help: What are Shift Limits?
- DailyPay Help: I live in CT. How do I use DailyPay?
- NY Attorney General press release, April 14, 2025
- People of the State of New York v. DailyPay, Inc., Verified Petition (2025)
- California DFPI Memorandum of Understanding with DailyPay, Inc. (May 2021)
Checked 2026-10-18.
Dave
- Dave homepage (footnote 1)
- Dave Help: Dave Membership
- Dave Help: What are ExtraCash Fees?
- Dave Help: How does ExtraCash work?
- Dave Help: What happens on the settlement date?
- Dave Help: Signing up for Dave
- Dave Help: Connecting your external bank account
- Dave Help: ExtraCash eligibility
- Dave Help: How do I take ExtraCash?
- Dave Help: How quickly can I get my ExtraCash?
- Dave Help: How do I change how to settle my ExtraCash?
- Dave Help: Can I have an extension?
- Dave Help: Coastal Community Bank Migration
- FTC case page: Dave, Inc., FTC v.
- FTC press release (2024-12-30): FTC refers case against Dave to DOJ
- Court docket, FTC v. Dave, Inc. (CourtListener mirror of PACER)
- Court docket, Baltimore v. Dave Inc. (CourtListener mirror of PACER)
Checked 2026-10-18.
EarnIn
- EarnIn Help: Understanding your "Max" at EarnIn
- EarnIn Lightning Speed fee table (version dated September 8, 2026)
- EarnIn Cash Out User Agreement
- EarnIn Help: What if I receive an overdraft fee because of the EarnIn app?
- EarnIn Help: How do I pay EarnIn back?
- EarnIn Help: How does the app work?
- EarnIn Help: Does EarnIn support Chime?
- EarnIn Help: List of unsupported banks
- EarnIn product page: Cash Out
- EarnIn Help: How long does it take to get my transfers?
- EarnIn Help: Who can use EarnIn?
- EarnIn Help: Indiana, Florida and New York residents: Lightning Speed fees
- EarnIn Help: How Cash Out and Balance Shield Fees Work in CO and WI
- EarnIn Help: Why can't Connecticut residents use EarnIn?
- DC Attorney General press release (2024-11-19)
- Colorado Attorney General press release (2026-08-27)
Checked 2026-10-18.
FloatMe
- FloatMe homepage (footnotes)
- FloatMe Terms and Conditions (Last Revised September 1, 2026)
- FloatMe Help: Why do I need recurring income?
- FloatMe: How it works
- FloatMe Help: How do I connect my checking account?
- FloatMe licenses page
- FloatMe Help: Can my Float limit increase?
- FloatMe Help: When will I receive my Float?
- FloatMe Help: Does FloatMe charge late fees or penalties?
- FloatMe Help: Why don't I meet the bank balance requirement?
- FTC press release, Jan. 24, 2024
- FTC: FloatMe Refunds
- Mass.gov data breach notice 2026-14 (FloatMe Corp.)
Checked 2026-10-18.
Klover
- Klover FAQs
- Klover Pricing page (last updated February 24, 2026)
- Klover Terms & Conditions (last updated July 14, 2026)
- Klover Help: Understanding Verification Charges and Refunds
- Klover cash advance page
- Klover Help: What does 'Institution Not Supported' mean?
- Klover Help: What is Klover+?
- Klover Help: Membership fees
- Klover Help: Advance Delivery Options
- Klover Help: Eligibility requirements
- Klover Help: Managing Your Advance Repayment
- Klover Help: Trouble Repaying Your Balance?
- Klover Help: Connecticut & Maryland Customers: Please Read
Checked 2026-10-18.
MoneyLion
- MoneyLion Help: Determining Instacash Limits
- MoneyLion Help: How to request Instacash
- MoneyLion Help: What happens to my MoneyLion One membership if my direct deposit drops below $500?
- MoneyLion Help: Does MoneyLion Turbo Transfer have any fees?
- MoneyLion Help: What is Instacash?
- MoneyLion Help: Repaying Instacash
- MoneyLion Help: Qualifying for Instacash
- MoneyLion Help: Calculating Instacash Repayment
- MoneyLion Help: Deferring Instacash Repayment
- MoneyLion Help: MoneyLion WOW Membership Transition
- MoneyLion Help: MoneyLion Membership Disclaimers
- CFPB enforcement action: MoneyLion Technologies Inc., ML Plus, LLC, and other subsidiaries
- New York Attorney General press release (2025-04-14)
- Court docket, People of the State of New York v. MoneyLion Inc., S.D.N.Y. 1:25-cv-04093 (CourtListener mirror of PACER)
- Court docket, Baltimore v. MoneyLion Technologies Inc. (CourtListener mirror of PACER)
- Colorado Attorney General press release (2023-11-14)
Checked 2026-10-18.
Payactiv
- Payactiv Earned Wage Access page
- Payactiv Pricing
- Payactiv for employees (How it works)
- Payactiv Terms of Use
- CFPB press release: CFPB Rescinds Special Regulatory Treatment for Payactiv (June 30, 2022)
- CFPB press release: Approval Order to PayActiv (Dec. 30, 2020)
Checked 2026-10-18.
Possible Finance
- Possible Loan page (incl. footer disclosures)
- Possible Help: About Possible Membership & Possible Advance
- Possible Help: Deposit of Possible Loan
- Possible Advance page
- Possible Help: About Possible Loans
- Possible State Licenses & Disclosures (Last Updated August 27, 2026)
- Possible Help: Understanding Late Payments
- Possible Help: State Eligibility
- Possible Help: Approvals
- Possible Help: Loan Repayment Information
- Possible Help: Adding or Linking a Bank Account
- Possible Sample Payment Schedules (Last Updated June 30, 2026)
- Possible Help: About Possible Plus Plan
- California DBO Consent Order, Possible Financial, Inc. (Dec. 24, 2019)
Checked 2026-10-18.
Tilt (formerly Empower)
- Tilt Cash Advance page (footnotes)
- Tilt Terms of Service (last updated August 19, 2026)
- Tilt Subscription Agreement (effective August 10, 2026)
- Tilt: Top Cash Advance Questions (last updated Feb 10, 2026)
- Tilt Licenses page
- Tilt Support: Where does Tilt operate?
Checked 2026-10-18.
Varo Advance
- Varo Bank Fee Disclosure (Updated September 2026)
- Varo Help: Varo Advance Fees
- Varo cash advance page (incl. FAQ and footnotes)
- Varo Advance Account Agreement & Disclosures (effective October 6, 2026)
- Varo Help: Varo Advance Overview
- Varo Help: Varo Advance Payments
- Varo Help: Varo Advance Borrowing Limits
Checked 2026-10-18.
Cheaper options
- eCFR 12 CFR 701.21 (current as of 2026-10-15)
- NCUA press release: Board Extends Loan Interest Rate Ceiling (Feb. 6, 2026)
- MyCreditUnion.gov: Payday Alternative Loans
- FTC Consumer Advice: What To Know About Payday and Car Title Loans
- CFPB Advisory Opinion: Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products (Dec. 2025)
- FTC Consumer Advice: What To Know About Payday and Car Title Loans
- 211.org (operated by United Way Worldwide)
- USA.gov: Get emergency food assistance
- HHS Administration for Children and Families: LIHEAP
- USA.gov: Help with energy bills
- USA.gov: How to apply for food stamps (SNAP benefits)
- USA.gov: Get emergency food assistance
- USA.gov: Welfare and financial assistance
- USA.gov: State social service agencies
- California Public Utilities Commission: Make a Payment Plan
- USA.gov: Help with energy bills
- FTC Consumer Advice: What To Know About Payday and Car Title Loans
- MyCreditUnion.gov: Payday Alternative Loans
- CFPB: What is an overdraft?
- CFPB handout: Know your overdraft options
Checked 2026-10-18.