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ARTICLE · 25 APRIL 2025

Arkansas And Utah Enact Laws To Regulate Earned Wage Access Providers

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Just days apart, Arkansas and Utah enacted laws to regulate providers of earned wage access ("EWA") services, joining the handful of states that have enacted legislation to regulate these products since 2022.

United StatesConsumer Protection
Krista Cooley
Krista Cooley
Francis Doorley
Francis Doorley
Daniel Pearson
Daniel Pearson
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Just days apart, Arkansas and Utah enacted laws to regulate providers of earned wage access ("EWA") services, joining the handful of states that have enacted legislation to regulate these products since 2022. Arkansas House Bill 1517 and Utah House Bill 279 were signed into law on March 20, 2025 and March 25, 2025, respectively. As EWA products have gained popularity as an alternate source of short-term liquidity for consumers, several states have enacted laws to regulate these products and enact consumer protection requirements. Some important takeaways from the new Utah and Arkansas EWA laws are discussed below.

Utah HB 279

Utah's newly enacted Earned Wage Access Services Act requires providers of EWA products to register with the Utah Division of Consumer Protection (the "Division") and renew their registration annually. The registration process will require the payment of an application fee, submission of a copy of the applicant's EWA services agreement for

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