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Committee hears testimony supporting House Bill 152 to regulate earned-wage-access services
Summary
The House Commerce and Labor Committee held a second hearing on House Bill 152, which would create a registration and consumer-protection framework for earned-wage-access (EWA) providers. Witnesses from DailyPay and EarnIn described the product, optional fees, and proposed safeguards; members asked about fees, frequency of use, and employer role.
The House Commerce and Labor Committee took testimony on House Bill 152, a proposal to create a registration and consumer-protection framework for earned-wage-access services (EWA).
Elise Hicks, senior manager of public policy at DailyPay LLC, told the panel HB 152 would provide legal certainty for employer-integrated EWA programs and require consumer protections such as a mandatory free option, prohibitions on credit-report requirements, and strong disclosures. Hicks said DailyPay serves more than 4.4 million users nationally and works with 675 Ohio businesses, providing access to roughly 194,000 Ohio workers.
Andrew Herff, testifying on behalf of EarnIn through Schumacher…
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