Скачать или смотреть CFPB 2025 Advisory Opinion clarifies Earned Wage Access - What employers need to know

The CFPB’s earned wage access advisory opinion draws a clear line for employers.

In this video, Jason Lee, pioneer of earned wage access and Chief of Chime Enterprise, opined on what the CFPB clarified and why structure matters more than ever.

The guidance makes clear that when earned wage access is offered through the employer, and delivered without employee fees, it does not function like credit under Truth in Lending Act and Regulation Z. That distinction gives employers a clearer framework for evaluating EWA programs, especially when paired with existing state wage and hour rules.

Jason also explains why not all employer-integrated EWA models are created equal, and how programs built outside payroll or reliant on employee fees create different risk profiles for employers and employees.

Earned wage access is not the finish line. It is a starting point. A way to reduce financial stress, unlock liquidity, and help workers move forward, not stay stuck.

If you’ve been holding back due to regulatory uncertainty, this moment matters. And if you’re already offering EWA, it may be time to ask whether your program is built to last.

Learn more: https://enterprise.chime.com/blog/ce-blog-...