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Bill

AB 1025

Relating to: earned wage access services.

2025-2026 Regular Session Introduced by Alex Dallman

Wisconsin bill establishes licensing requirements, fee caps, and consumer protections for earned wage access service providers to regulate early paycheck advancement programs.

Presented to the Governor on 4-2-2026
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WeVote Research Nonpartisan
Bill Summary · AB 1025

Legislative bill overview

AB 1025 regulates earned wage access (EWA) services in Wisconsin, which allow employees to access portions of their earned wages before regular payday. The bill establishes licensing requirements, fee limitations, and consumer protections for companies offering these services. It appears designed to prevent predatory practices while permitting this emerging financial service to operate.

Why is this important

Earned wage access has grown rapidly as workers seek short-term liquidity between paychecks, but the industry operates with minimal oversight. This bill addresses potential exploitation by setting standards for transparency, costs, and business practices—affecting hundreds of thousands of Wisconsin workers who might use these services and the companies providing them.

Potential points of contention

  • Fee structures: Caps or restrictions on fees charged by EWA providers may be viewed as limiting business flexibility or alternatively as insufficient consumer protection, depending on the specific limits set
  • Licensing burden: New licensing requirements increase regulatory compliance costs, which could reduce market competition or be seen as necessary gatekeeping
  • Employer involvement: The bill likely addresses employer participation in EWA programs, raising questions about workplace dynamics and whether employers should facilitate or restrict access to workers' own earnings

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

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