Before You Front the Funds: Benefits and Pitfalls of Earned Wage Access Tools — Payments Pros – The Payments Law Podcast
Before You Front the Funds: Benefits and Pitfalls of Earned Wage Access Tools — Hiring to Firing Podcast
Payments Year in Review 2025: Federal and State Developments – Part 2 – Payments Pros – The Payments Law Podcast
Payments Year in Review 2025: Federal and State Developments – Part 1 — Payments Pros – The Payments Law Podcast
Wage Wonders: Unraveling Payroll Mysteries With Nacha and State Insights — Payments Pros – The Payments Law Podcast
Regulatory Rollback: Legal Challenges and Opportunities in Earned-Wage Access — The Consumer Finance Podcast
The Evolving Landscape of Earned Wage Access Regulation — The Consumer Finance Podcast
Consumer Finance Monitor Podcast Episode: How the CFPB Is Using Interpretive Rules to Expand Regulatory Requirements for Innovative Consumer Financial Products; Part Two: Earned Wage Access
Consumer Finance Monitor Episode: How the CFPB Is Using Interpretive Rules to Expand Regulatory Requirements for Innovative Consumer Financial Products; Part One: Buy-Now, Pay-Later
Earned Wage Access: Exploring the CFPB's Proposed Interpretive Rule — Payments Pros – The Payments Law Podcast
Earned Wage Access: Exploring the CFPB's Proposed Interpretive Rule — The Consumer Finance Podcast
On April 28, Maryland enacted SB 94, which revises the state’s earned wage access (EWA) framework and amends tipping provisions under Maryland’s Consumer Loan Law and Secondary Mortgage Loan Law. The law prohibits lenders and...more
On April 28, Governor Wes Moore (D) signed Senate Bill 94 into law, significantly revising Maryland’s earned wage access (EWA) framework and tightening restrictions on tipping practices in both EWA programs and certain...more
On April 28, the Maryland governor signed into law SB 94, which revises the state’s earned wage access framework effective October 1. The law prohibits consumer and commercial lenders and earned wage access providers from...more
The CFPB’s Office of Inspector General is still investigating the agency’s workforce and contracting moves to see what impact it has had on agency actions. “We are reviewing the CFPB’s workforce and contracting actions to...more
On April 13, a financial technology company filed a notice of appeal to the U.S. Court of Appeals for the 2nd Circuit, challenging a March 31 SDNY ruling denying its motion to dismiss a proposed class action. The suit,...more
In this episode of Payments Pros, host Carlin McCrory teams up with Hiring to Firing hosts Tracey Diamond and Emily Schifter to explore the emerging world of earned wage access (EWA), or on-demand pay, through the lens of the...more
Welcome to the eighth chapter of our annual report, Consumer Financial Services: 2025 Year in Review. In 2025, the Consumer Financial Protection Bureau (CFPB) reduced its scrutiny of small-dollar lenders by publicly...more
In this episode of Hiring to Firing, hosts Tracey Diamond and Emily Schifter are joined by their Troutman Pepper Locke colleague, Carlin McCrory, co-host of the Payment Pros podcast. Together, they explore the emerging world...more
On March 5, the U.S. District Court for the Northern District of Illinois denied a fintech provider’s motion to dismiss a proposed class action alleging that its earned wage access (EWA) products violated the Truth in Lending...more
The past year has seen unprecedented change at the federal level, including the dramatic scaling back of consumer financial services enforcement activity at the Consumer Financial Protection Bureau (CFPB)....more
In the second installment of the two-part Payments Year in Review series, hosts Keith Barnett, Carlin McCrory, and Jason Cover focus on the state-level developments that shaped the 2025 payments landscape and will influence...more
In this month's article, we share some of our top "bites" covered during the January 2026 webinar....more
In the first installment of a two-part Payments Year in Review series, hosts Keith Barnett, Carlin McCrory, and Jason Cover highlight the key federal developments that shaped the payments industry in 2025 and preview what's...more
On December 23, 2025, the CFPB issued an advisory opinion stating that “covered” earned wage access (EWA) products fall outside the definition of credit under TILA’s Regulation Z, withdrawing a Biden Administration July 2024...more
The Consumer Financial Protection Bureau (CFPB) issued an advisory opinion (the 2025 Opinion), effective 23 December 2025, on whether earned wage access (EWA) products constitute “credit” under Regulation Z of the Truth in...more
In this article, we share a timeline of monthly "bites" for the past year applicable to fintech. Although we can identify numerous developments in the space in 2025, the most prominent development is the "all systems go"...more
The Consumer Financial Protection Bureau (CFPB) issued an advisory opinion on December 23, 2025, that resolves significant regulatory uncertainty surrounding whether earned wage access (EWA) products and are “credit” for...more
On December 23, the CFPB issued an advisory opinion in the Federal Register clarifying the regulatory treatment of earned wage access (EWA) products under Regulation Z, as implemented by TILA. ...more
On December 30, Baltimore Mayor Brandon M. Scott announced that the City of Baltimore filed a civil action against a fintech provider offering small-dollar cash advance products, alleging violations of the Baltimore Consumer...more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), and the state level. Check out our new State...more
On December 23, 2025, the Consumer Financial Protection Bureau (CFPB or “Bureau”) published an advisory opinion (the “2025 EWA Advisory Opinion”) concluding that certain earned wage access (EWA) programs do not constitute...more
In late December, the Consumer Financial Protection Bureau (CFPB) issued a new advisory opinion (2025 AO) on earned wage access (EWA) stating that "covered earned wage access" (Covered EWA) does not meet Regulation Z's...more
Certain earned wage access (EWA) programs just received meaningful federal support. ...more
On December 23, 2025, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register an advisory opinion affirming that certain qualifying earned wage access (EWA) services, also known as on-demand pay...more
On December 23, the CFPB issued an advisory opinion stating earned wage access products fall outside the definition of credit under TILA’s Regulation Z, withdrawing a Biden-era proposed interpretive rule that identified all...more