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Bill

SB 410

Providing that earned wage access service registrants are subject to the Kansas financial institutions information security act.

2025-2026 Regular Session

Kansas bill extends financial information security regulations to earned wage access service providers to protect worker data and financial privacy.

Died in Conference
#financialinstitutions
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WeVote Research Nonpartisan
Bill Summary · SB 410

Legislative bill overview

SB 410 extends Kansas's financial institutions information security act to cover earned wage access (EWA) service providers that register with the state. Earned wage access services allow employees to access a portion of their earned wages before regular payday. This bill brings these emerging financial service providers under the same cybersecurity and data protection requirements that apply to traditional financial institutions.

Why is this important

As EWA services handle sensitive employee financial and personal data, subjecting them to robust information security standards protects workers from data breaches and identity theft. This addresses a regulatory gap where newer fintech services may operate with fewer security obligations than traditional banks, while serving similar functions and accessing similar data.

Potential points of contention

  • Industry burden: EWA providers argue compliance costs could increase service fees for workers, particularly low-wage earners who rely on these services most
  • Regulatory scope: Debate over whether EWA services should be classified as financial institutions or whether tailored regulations would be more appropriate for their business model
  • Competitive parity: Concerns about whether requirements disadvantage smaller EWA startups compared to larger fintech companies with established compliance infrastructure

Compiled from official sources — confirm details with the bill’s official record.

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