--- title: PayrollOrg Supports State Earned Wage Access Bills description: PayrollOrg comments in support of state earned wage access bills. image: https://www.payroll.org/images/default-source/default-album/payrollorg-supports-state-earned-wage-access-bills.jpg?sfvrsn=dfa051ba_0 --- [![soc-fb](https://blogs.payroll.org/hubfs/ct-23-assets/footer-icon_fb.svg "soc-fb")](https://www.facebook.com/American-Payroll-Associations-Chapter-Relations-877434285724525/) [![soc-in](https://blogs.payroll.org/hubfs/ct-23-assets/footer-icon_li.svg "soc-in")](http://www.linkedin.com/groups?about=&gid=1051077&trk=anet_ug_grppro) [![soc-tw](https://blogs.payroll.org/hubfs/ct-23-assets/footer-icon_tw.svg "soc-tw")](https://twitter.com/APAChapters?lang=en) - [Home](https://blogs.payroll.org/chapter-leaders) - [About](https://blogs.payroll.org/about) - [Connect](https://blogs.payroll.org/connect) - [Resources](https://blogs.payroll.org/resources) ![23-PayNewsNow-Horiz-Logo](https://blogs.payroll.org/hs-fs/hubfs/23-PayNewsNow-Horiz-Logo.png?width=1300&name=23-PayNewsNow-Horiz-Logo.png "23-PayNewsNow-Horiz-Logo") [![26 PayrollOrg®RGB-NoTag long](https://blogs.payroll.org/hs-fs/hubfs/26%20PayrollOrg%C2%AERGB-NoTag%20long.jpg?width=1300&name=26%20PayrollOrg%C2%AERGB-NoTag%20long.jpg "26 PayrollOrg®RGB-NoTag long")](https://payroll.org/) Custom URL No Widget: By [Alice P. Jacobsohn, Esq.](https://blogs.payroll.org/pay-news-now/author/alice-p-jacobsohn-esq) on Mar 10, 2025 10:05:16 AM # PayrollOrg Supports State Earned Wage Access Bills In January, PayrollOrg’s [Government Relations Task Force](https://payroll.org/compliance/government-relations/task-force) commented in support of earned wage access (EWA) bills in [**Colorado**](https://payroll.org/docs/default-source/2025-government-relations/25a29-Colorado-HB10-ewa.pdf), [**Indiana**](https://payroll.org/docs/default-source/2025-government-relations/25a29-Indiana-HB1125-ewa.pdf), [**New Mexico**](https://payroll.org/docs/default-source/2025-government-relations/25a29-New-Mexico-HB59-ewa.pdf), [**Oregon**](https://payroll.org/docs/default-source/2025-government-relations/25a29-Oregon-SB481-ewa.pdf), [**Vermont**](https://payroll.org/docs/default-source/2025-government-relations/25a29-Vermont-H99-ewa.pdf), and [**Washington**](https://payroll.org/docs/default-source/2025-government-relations/25a29-Washington-SB5328-ewa.pdf). The bills include some common elements, including clear definitions, EWA provider licensing, consumer protections, and nonrecourse provisions. ### **Common Elements** *Definitions.* The definitions describe the services considered EWA and distinguish between EWA services and credit-based services. The definitions recognize the role of employers in early pay benefits. *EWA provider licensing.* The bills identify specific procedures when applying for a license and explain state oversight. Each of the bills contains a list of information that EWA providers must include in license applications. *Consumer protections.* Providers must create policies and procedures to answer user questions and complaints, fully disclose fees associated with user participation, provide a no-cost option to users, and allow users to opt out of the benefit later without penalty. *Nonrecourse provisions.* Nonrecourse provisions place the responsibility for accurate early wage determinations on EWA providers. In employer-integrated programs, real-time payroll data is shared with providers to ensure accuracy. Not a member of PayrollOrg? Check out the many benefits you get [**when you join**](https://payroll.org/membership/all-member-benefits)! Interested in joining PayrollOrg’s Government Relations Task Force? Please [**contact us**](https://payroll.org/compliance/government-relations/task-force). --- *Alice P. Jacobsohn, Esq., is Director of Government Relations for PayrollOrg.* ### Search ![payroll-logo-white](https://blogs.payroll.org/hs-fs/hubfs/payroll-logo-white.png?width=200&name=payroll-logo-white.png "payroll-logo-white") [Privacy Policy](http://www.americanpayroll.org/privacy/)     |     Acceptable Use ©[PayrollOrg](http://payroll.org) [![soc-fb](https://blogs.payroll.org/hubfs/ct-23-assets/footer-icon_fb.svg "soc-fb")](https://www.facebook.com/PayrollOrg) [![soc-in](https://blogs.payroll.org/hubfs/ct-23-assets/footer-icon_li.svg "soc-in")](https://www.linkedin.com/company/payroll-org/mycompany/) [![Twitter-X-White-Logo-PNG](https://blogs.payroll.org/hs-fs/hubfs/Twitter-X-White-Logo-PNG.png?width=20&height=19&name=Twitter-X-White-Logo-PNG.png)](https://twitter.com/PayNews)