Two states – Arkansas and Utah – recently enacted laws regulating earned wage access (EWA) providers.
Arkansas
Effective June 18, 2025, EWA providers in Arkansas will be subject to certain requirements. Providers will not be required to register with the state or obtain a special license in the state to operate but must avoid prohibited actions including charging an employee late fees or interest for failing to pay any outstanding amount owed [H.B. 1517, L. 2025].
Utah
Effective May 7, 2025, EWA providers in Utah will be subject to certain requirements and restrictions. EWA providers will be required to register with the Utah Division of Consumer Protection annually and pay a registration fee. A provider doing business on May 7 may continue to act as a provider but must comply with the law and submit a registration application by October 6, 2025 [H.B. 279, L. 2025].
PAYO EWA Report
PayrollOrg's (PAYO) Government Relations team testified in support of the legislation in both states. Want to learn more about EWA? Download PayrollOrg's EWA report today! The report includes information on the legal and regulatory framework for EWA and a step-by-step guide to selecting a provider.
Interested in more state and local payroll coverage? PayrollOrg’s PayState Update eNewsletter is perfect for you.
Lia Coniglio, Esq., is Managing Editor of PayState Update and Senior Manager of State Payroll Information Resources for PayrollOrg.
