Earned Wage Access Services

The Earned Wage Access Service Act, effective on May 7, 2025, establishes guidelines and requirements for companies offering earned wage access services to Utah consumers. These are businesses that allow access to earned but unpaid income before scheduled paydays. For information regarding the requirements for businesses that meet the definition of an Earned Wage Access Service please refer to HB0279.

Important for providers operating in Utah: the registration with the Utah Division of Consumer Protection began on May 20th, 2025, but is not required until October 6, 2025.