Earned wage access services not considered to be violations; licensees who offer or provide earned wage access services not considered a lender, creditor, credit services organization, debt collector, or money transmitter; fees or voluntary tips, gratuities or other donations not considered interest or finance charges; conflicting provisions
Ind. Code § 28-8-6-1002
in effectSec. 1002. (a) Notwithstanding any other provision of law, earned wage access services offered or provided by a licensee in accordance with this chapter are not considered to be any of the following:
(1) A violation of, or noncompliance with, any Indiana law governing deductions from payroll, salary, wages, compensation, or other income.
(2) A violation of, or noncompliance with, any Indiana law governing:
(A) the purchase of;
(B) the sale or assignment of; or
(C) an order for;
earned but unpaid income.
(3) A loan or other form of credit or debt.
(4) Money transmission (as defined in IC 28-8-4.1-201(19)).
(b) Notwithstanding any other provision of law, a licensee that offers or provides earned wage access services in accordance with this chapter is not considered to be any of the following solely by reason of offering or providing the earned wage access services:
(1) A lender, creditor, credit services organization (as defined in IC 24-5-15-2), or debt collector.
(2) A money transmitter for purposes of IC 28-8-4.1.
However, this subsection does not exempt a licensee under this chapter from complying with section 802(7) of this chapter, as applicable.
(c) Notwithstanding any other provision of law:
(1) fees; or
(2) voluntary tips, gratuities, or other donations;
paid by a consumer to a licensee in accordance with this chapter are not considered to be interest or finance charges and shall not be subject to IC 35-45-7-2.
(d) If there is a conflict between the provisions of this chapter and any other Indiana law, the provisions of this chapter control.
As added by P.L.222-2025, SEC.5.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://iga.in.gov/laws/2026/ic/titles/28Fetched: 10/17/2026