{"id":86749,"date":"2025-05-28T09:47:50","date_gmt":"2025-05-28T14:47:50","guid":{"rendered":"https:\/\/www.mcguirewoods.com\/?post_type=insight&#038;p=86749"},"modified":"2025-05-28T09:47:53","modified_gmt":"2025-05-28T14:47:53","slug":"indiana-maryland-become-latest-states-to-enact-legislation-regulating-earned-wage-access","status":"publish","type":"insight","link":"https:\/\/www.mcguirewoods.com\/client-resources\/alerts\/2025\/5\/indiana-maryland-become-latest-states-to-enact-legislation-regulating-earned-wage-access\/","title":{"rendered":"Indiana, Maryland Become Latest States to Enact Legislation Regulating Earned Wage Access"},"content":{"rendered":"\n<p>Indiana and Maryland join seven other states in enacting laws that specifically regulate earned wage access (EWA) providers.<\/p>\n\n\n\n<p>EWA is an on-demand payment product that allows workers to access their wages as they are earned rather than waiting for a scheduled payday. Indiana Gov. Mike Braun signed House Enrolled Act 1125 (HEA 1125) into law on May 6, 2025, and Maryland Gov. Wes Moore allowed House Bill 1294 (HB 1294) to be enacted without his signature on May 20, 2025, joining <a href=\"https:\/\/www.mcguirewoods.com\/client-resources\/alerts\/2025\/3\/arkansas-becomes-latest-state-to-enact-legislation-regulating-earned-wage-access\/\">Arkansas<\/a>, <a href=\"https:\/\/www.mcguirewoods.com\/client-resources\/alerts\/2025\/3\/utah-to-join-other-states-enacting-legislation-to-regulate-earned-wage-access\/\">Utah<\/a>, Kansas, Missouri, Nevada, South Carolina and Wisconsin as the first to enact EWA legislation within the past two years. Regulators in Connecticut and California also weighed in on the product with differing approaches.<\/p>\n\n\n\n<p>The laws represent contrasting approaches on how to classify EWA. Indiana\u2019s law clarifies that EWA providers do not engage in lending, and Maryland took an approach akin to California\u2019s, calling EWA a loan but offering a framework for providers to operate without having to substantially overhaul their models.<\/p>\n\n\n\n<p><strong>Indiana\u2019s HEA 1125<\/strong><\/p>\n\n\n\n<p>Set to go into effect Jan. 1, 2026, HEA 1125 is a licensing regime requiring mandatory licensing and reporting.<\/p>\n\n\n\n<p>Providers will be required to offer at least one no-cost option and transparent fee disclosures and are prohibited from assessing late fees, interests or other penalties for nonpayment. Providers can charge fees for expedited delivery of funds and subscriptions and solicit tips in a transparent manner. This law contains a fee cap: Fees charged cannot exceed the greater of $5 or 5% of the amount of the payment.<\/p>\n\n\n\n<p>The law prohibits making fee-based disbursement the default delivery option and includes restrictions on accessing a user\u2019s location \u2014 except to verify Indiana residency \u2014 and advertisements without opt-in consent.<\/p>\n\n\n\n<p><strong>Maryland\u2019s HB 1294<\/strong><\/p>\n\n\n\n<p>Set to go into effect Oct. 1, 2025, HB 1294 reflects years of negotiations and compromise between industry stakeholders and state regulators. While HB 1294 classifies EWA products as loans, it provides a clear framework for providers to continue operating in Maryland without \u2014 in most cases \u2014 dramatic changes.<\/p>\n\n\n\n<p>HB 1294 requires EWA providers to set the default tip option at zero and abide by a fee cap: $5 for proceeds equal to or less than $75 and $7.50 for proceeds greater than $75.<\/p>\n\n\n\n<p>On or before July 1 each year beginning in 2026, EWA providers must submit a report to the Office of Financial Regulation that includes information necessary for the commissioner to assess the size and status of the EWA market within Maryland.<\/p>\n\n\n\n<p>In a letter explaining that HB 1294 will be enacted without his signature, Moore acknowledged that EWA products can provide tangible benefit to workers and that the new law takes steps in the right direction for consumer protection.<\/p>\n\n\n\n<p>McGuireWoods\u2019&nbsp;Financial Services &amp; Securities Enforcement Department&nbsp;counsels EWA clients and monitors legislation. For questions about EWA legislation and its impact, contact the authors of this alert.<\/p>\n\n\n\n<p><strong>About the Authors<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.mcguirewoods.com\/people\/m\/aaron-r-marienthal\/\"><strong>Aaron Marienthal<\/strong><\/a> is a San Francisco partner in the firm\u2019s Financial Services &amp; Securities Enforcement Department and one of the country\u2019s leading authorities in EWA regulation. Aaron previously served as general counsel of leading EWA provider Payactiv, Inc. where he was instrumental in developing the country\u2019s first EWA legislation.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mcguirewoods.com\/people\/f\/alexandra-s-farley\/\"><strong>Alex Farley<\/strong><\/a>&nbsp;is a San Francisco associate in the firm\u2019s Financial Services &amp; Securities Enforcement Department. She counsels clients in the EWA space, in addition to her practice representing clients in complex litigation and regulatory matters.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indiana and Maryland join seven other states in enacting laws that specifically regulate earned wage access (EWA) providers. EWA is an on-demand payment product that allows workers to access their&#8230;<\/p>\n","protected":false},"author":20,"featured_media":0,"template":"","tags":[],"industry_tax":[],"insight_type":[2331],"international_tax":[],"location_tax":[],"media_role":[],"people_tax":[714,3567],"practice_tax":[103,108,124],"publication_type":[],"site_tax":[2],"class_list":["post-86749","insight","type-insight","status-publish","hentry","insight_type-alerts","practice_tax-business-litigation","practice_tax-financial-services-litigation","practice_tax-consumer-financial-services-litigation"],"acf":[],"links_out":[{"id":75968,"title":"Aaron R. Marienthal","url":"https:\/\/www.mcguirewoods.com\/people\/m\/aaron-r-marienthal\/","published":"2024-09-10 06:19:00","blog_id":2},{"id":430,"title":"Alexandra S. Farley","url":"https:\/\/www.mcguirewoods.com\/people\/f\/alexandra-s-farley\/","published":"2021-12-17 21:29:03","blog_id":2}],"links_in":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Indiana, Maryland Become Latest States to Enact Legislation Regulating Earned Wage Access - McGuireWoods<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mcguirewoods.com\/client-resources\/alerts\/2025\/5\/indiana-maryland-become-latest-states-to-enact-legislation-regulating-earned-wage-access\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Indiana, Maryland Become Latest States to Enact Legislation Regulating Earned Wage Access - McGuireWoods\" \/>\n<meta property=\"og:description\" content=\"Indiana and Maryland join seven other states in enacting laws that specifically regulate earned wage access (EWA) providers. 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