Tell Congress you support earned wage access

Dear Congress:

I’m writing to you today not just as a New York resident, but as someone who has seen firsthand how much of a difference earned wage access can make for hardworking people like me. We all know the stress of living paycheck to paycheck, and the Earned Wage Access Consumer Protection Act (HR 9330) will be a helpful step in giving me the flexibility I need while setting a real federal standard for Earned Wage Access (EWA) products.

Earned Wage Access isn’t just a financial tool—it’s a lifeline. EWA allows me to use the money I’ve already earned to pay my bills on time and handle life’s surprises without the crushing weight of late fees or overdraft charges.

What makes this legislation so important are the common-sense protections it builds right into the system:

Mandatory No-Cost Option: Requires providers to offer a free way for consumers to access their earned wages.

Non-Recourse Protection: Prohibits providers from seeking repayment from consumers through debt collectors or credit reporting.

Transparent Disclosures: Ensures consumers receive clear information regarding fees.

Regulatory Clarity: Distinguishes EWA from traditional lending, fostering continued innovation while ensuring uniform consumer protections nationwide.

I hope I can count on your support for the Earned Wage Access Consumer Protection Act (HR 9330). It’s about more than just policy—it’s about giving people like me a safe alternative when I most need it.