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53	53	STATE OF OKLAHOMA
54	54
55	55	1st Session of the 60th Legislature (2025)
56	56
57	57	SENATE BILL 781 By: Coleman
58	58
59	59
60	60
61	61
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63	63	AS INTRODUCED
64	64
65	65	An Act relating to wages; creating the Oklahoma
66	66	Earned Wages Access Services Act; providing short
67	67	title; defining terms; allowing an earned wage access
68	68	services provider to provide certain services;
69	69	specifying the services allowed; requiring a provider
70	70	to follow certain provisions; prohibiting an earned
71	71	wage access services provider from providing certain
72	72	services; specifying prohibited ac tions; allowing for
73	73	certain exceptions; exempting certain services from
74	74	this act; providing for codification; and providing
75	75	an effective date.
76	76
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81	81	BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
82	82	SECTION 1. NEW LAW A n ew section of law to be codified
83	83	in the Oklahoma Statutes as Section 650 of Title 40, unless there is
84	84	created a duplication in numbering, reads as follows:
85	85	This act shall be known and may be cited as the “Oklahoma Earned
86	86	Wages Access Services Act ”.
87	87	SECTION 2. NEW LAW A new section of law to be codified
88	88	in the Oklahoma Statutes as Section 650.1 of Title 40, unless there
89	89	is created a duplication in numbering, reads as follows:
90	90	A. As used in this act:
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142	142	1. “Consumer” means an individual who resides in Oklahoma ;
143	143	2. “Consumer-directed wage access service ” means delivering to
144	144	a consumer access to earned but unpaid income that is based on the
145	145	consumer’s representations and the provider ’s reasonable
146	146	determination of the consumer ’s earned but unpaid income;
147	147	3. “Earned but unpaid income ” means salary, wages,
148	148	compensation, or other income that a consumer or an employer has
149	149	represented and that a provider has reasonably determined has been
150	150	earned or accrued to the benefit of the consumer in exch ange for the
151	151	consumer’s provision of services to the employer or on behalf of the
152	152	employer including on an hourly, project -based, piecework, or other
153	153	basis. Earned but unpaid income shall include income earned under
154	154	circumstances in which the consumer is acting as an independent
155	155	contractor of the employer but has not , at the time of the payment
156	156	of proceeds, been paid by the employer;
157	157	4. “Earned wage access services ” means services providing
158	158	consumer-directed wage access services or employer -integrated wage
159	159	access services;
160	160	5. “Earned wage access services provider ” or “provider”:
161	161	a. means a person that is in the business of providing
162	162	earned wage access services to consumers, and
163	163	b. does not mean a service provider, such as a payroll
164	164	service provider, whose role may include verifying the
165	165	available earnings but is not contractually ob ligated
166	166
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217	217	to fund any proceeds delivered as part of an earned
218	218	wage access service, or an employer that offers a
219	219	portion of salary, wages, or compensation directly to
220	220	its employees or independent contractors before the
221	221	normally scheduled pay date;
222	222	6. “Employer”:
223	223	a. means a person who employs a consumer, or any other
224	224	person who is contractually obligated to pay a
225	225	consumer in exchange for the consumer ’s provision of
226	226	services to the employer or on behalf of the employer
227	227	including on an hourly, project -based, piecework, or
228	228	other basis and including circumstances in which the
229	229	consumer is acting as an independent contractor with
230	230	respect to the employer , and
231	231	b. does not mean a customer of an employer, or any other
232	232	person whose obligation to make a payment of salary,
233	233	wages, compensation, or other income to a consumer is
234	234	not based on the provision of services by that
235	235	consumer for or on behalf of the person ;
236	236	7. “Employer-based integrated wage access services” means
237	237	delivering to a consumer access to earned but unpaid in come that is
238	238	based on employment, income, or attendance data obtained directly or
239	239	indirectly from an employer ’s payroll service provider ;
240	240	8. “Fee”:
241	241
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292	292	a. means a fee imposed by a p rovider for delivery or
293	293	expedited delivery of proceeds to a consumer, or a
294	294	subscription or membership fee imposed by a provider
295	295	for a bona fide group of services that include s earned
296	296	wage access services , and
297	297	b. does not mean a voluntary tip, gratuity, or other
298	298	donation;
299	299	9. “Proceeds” means a payment to a consumer by a provider tha t
300	300	is based on earned but unpaid income ; and
301	301	10. “Outstanding proceeds ” means proceeds remitted to a
302	302	consumer by a provider that have not yet been repaid to the
303	303	provider.
304	304	SECTION 3. NEW LAW A new section of law to be codified
305	305	in the Oklahoma Statutes as Section 6 50.2 of Title 40, unless there
306	306	is created a duplication in numbering, reads as follows:
307	307	A. An earned wage access services provider shall:
308	308	1. Develop and implement policies and procedures to respond to
309	309	questions raised by co nsumers and address complaints from consumers
310	310	in an expedient manner;
311	311	2. When a consumer is offered the option to receive proceeds
312	312	for a fee or solicits an optional tip, gratuit y, or other donation,
313	313	offer the consumer at least one reasonable option to obtain proceeds
314	314	at no cost to the consumer and clearly explain how to elect the no -
315	315	cost option;
316	316
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367	367	3. Before entering into an agreement with a consumer for the
368	368	provision of earned wag e access services, adhere to the following:
369	369	a. inform the consumer of his or her rights under the
370	370	agreement, and
371	371	b. fully and clearly disclose all fees associated with
372	372	the earned wage access service s;
373	373	4. Inform the consumer of any material changes to the terms and
374	374	conditions of the earned wage access services before implementing
375	375	those changes for that consumer;
376	376	5. Allow the consumer to cancel use of the provider ’s earned
377	377	wage access services at any time, without incurring a cancellation
378	378	fee imposed by the provider;
379	379	6. Comply with all applicable local, state, and federal privacy
380	380	and information security laws;
381	381	7. If a provider solicits charges or receives a tip, gratuity,
382	382	or other donation from a consumer, disclose clearly and
383	383	conspicuously to the consumer :
384	384	a. immediately prior to each transaction that a tip,
385	385	gratuity, or other donation amount may be zero and is
386	386	voluntary, and
387	387	b. in the provider service contract with the consumer and
388	388	elsewhere that tips, gratuities, or other donation s
389	389	are voluntary and that the offering of earned wage
390	390	access services, including the amount of proceeds a
391	391
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442	442	consumer is eligible to request and the frequency with
443	443	which proceeds are provided to a consumer, is not
444	444	contingent on whether the consumer pays, or on the
445	445	size of any tips, gratuities, or other donations; and
446	446	8. Provide proceeds to a consumer by any means mutually agreed
447	447	upon by the consumer and the provider .
448	448	B. If the provider seek s repayment of outstanding proceeds or
449	449	payment of fees or other amounts owed, including volunt ary tips,
450	450	gratuities, or other donations, in connection with the activities
451	451	covered by this act, from a consumer’s account at a depository
452	452	institution, including by means of electronic fund s transfer, the
453	453	provider shall:
454	454	1. Comply with applicable provisio ns of the federal Electronic
455	455	Fund Transfer Act and regulations adopted thereunder; and
456	456	2. Reimburse the consumer fo r the full amount of any overdraft
457	457	or insufficient funds or fees imposed on a consumer by the
458	458	consumer’s depository institution that were ca used by the provider
459	459	attempting to seek payment of any outstanding proceeds, fees, or
460	460	other payments, in connection with the activities covered by this
461	461	chapter, including voluntary tips, gratuities, or other donations,
462	462	on a date before, or in an incorrect amount from, the date or amount
463	463	disclosed to the consumer.
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515	515	C. Nothing in this act shall require a provider to be subject
516	516	to payments of outstanding proceeds or fees, if they were incurred
517	517	by a consumer through fraudulent or other unlawful means.
518	518	SECTION 4. NEW LAW A new section of law to be codified
519	519	in the Oklahoma Statutes as Section 6 50.3 of Title 40, unless there
520	520	is created a duplication in numbering, reads as follows:
521	521	A. An earned wage access services provider shall not :
522	522	1. Share with an employer a portion of any fees, voluntary
523	523	tips, gratuities, or other donations that were received from or
524	524	charged to a consumer for earned wage access services;
525	525	2. Require a consumer ’s credit report or a credit score
526	526	provided or issued by a co nsumer reporting agency to determine a
527	527	consumer’s eligibility for earned wage access services;
528	528	3. Accept payment of outstanding proceeds, fees, voluntary
529	529	tips, gratuities, or other donations from a consumer by means of
530	530	credit card or charge card;
531	531	4. Charge a consumer a late fee, deferral fee, interest, or any
532	532	other penalty or charge for failure to pay outstanding proceeds,
533	533	fees, voluntary tips, gratuities, or other donations;
534	534	5. Report to a consumer reporting agency or debt collector any
535	535	information about the consumer regarding the inability of the
536	536	provider to be repaid outstandin g proceeds, fees, voluntary tips,
537	537	gratuities, or other donations;
538	538
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589	589	6. Compel or attempt to compel payment by a consumer of
590	590	outstanding proceeds, fees, voluntary tips, gratuities, or other
591	591	donations to the provider through any of the following :
592	592	a. a suit against the consumer in a court of competent
593	593	jurisdiction,
594	594	b. use of a third party to pursue collection from the
595	595	consumer on the provider ’s behalf, or
596	596	c. sale of outstanding procee ds, fees, voluntary tips,
597	597	gratuities, or other donations to a third-party
598	598	collector or debt buyer for collection from a
599	599	consumer; and
600	600	7. Mislead or deceive a consumer about the voluntary nature of
601	601	the tips, gratuities, or donations or represent that they will
602	602	benefit any specific individuals or group of individuals.
603	603	B. The limitations set forth in this section do not preclude
604	604	the use by a provider of any of the methods specified in paragraph 6
605	605	of subsection A of this section to compel payment of outstandi ng
606	606	proceeds or fees incurred by a consumer through fraudulent or
607	607	unlawful means; nor do they preclude a provider from pursuing an
608	608	employer for breach of its contractual obligations to the provider.
609	609	C. A provider may use the mailing address or state of res idence
610	610	provided to it by a person or that person ’s employer to determine
611	611	the person’s state of residence for purposes of this act.
612	612
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663	663	SECTION 5. NEW LAW A new section of law to be codified
664	664	in the Oklahoma Statutes as Section 6 50.4 of Title 40, unless there
665	665	is created a duplication in numbering, reads as follows:
666	666	A. This act shall not apply to any person doing business under
667	667	the authority of any law of this state or of the United States
668	668	relating to banks, savings institutions, trust com panies, building
669	669	and loan associations, industrial loan associations, or credit
670	670	unions.
671	671	B. Notwithstanding any other provision of law, earned wage
672	672	access services offered and provided by an earned wage access
673	673	services provider in accordance with this act shall not be
674	674	considered:
675	675	1. In violation of or noncompliance with any law gov erning
676	676	deductions from payroll, salary, wages, compensation, or other
677	677	income or the purchase, sale , or assignment of, or an order for ,
678	678	earned but unpaid income;
679	679	2. A loan or other form of credit or debt ; nor shall the
680	680	provider be considered a creditor, debt collector, or lender with
681	681	respect thereto; or
682	682	3. A money transmission; nor shall the provider be considered a
683	683	money transmitter with respect thereto.
684	684	C. Notwithstanding any other provision of law, fees, voluntary
685	685	tips, gratuities, or other donations p aid in accordance with this
686	686
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737	737	act to a provider shall not be considered interest or finance
738	738	charges.
739	739	SECTION 6. This act shall become effective November 1, 2025.
740	740
741	741	60-1-784 MR 1/15/2025 4:29:45 PM

Oklahoma 2025 Regular Session

Oklahoma Senate Bill SB781 Compare Versions