By Monique Crapper
Author: Monique Crapper is a marketing strategist and copywriter with over 15 years of experience helping fintech brands grow and connect with their audiences. Known for combining data-backed strategy with authentic, human-centered storytelling, Monique crafts content that not only informs but also inspires action. Her work turns complex financial topics into engaging, accessible narratives that resonate with real people.
IMPORTANT: The regulatory landscape for Earned Wage Access (EWA) is rapidly evolving. Regulations primarily focus on EWA providers, not employers, making vendor selection critical for compliance. With the CFPB’s Advisory Opinion retracted and varying state regulations, choosing the right EWA partner is as important as selecting your 401(k) or healthcare provider.
Landscape Overview
Looking to offer your employees earned wage access? As part of your due diligence, it is important to ensure the partner you select is responsible and compliant–to ensure employees can get paid when they want, how they want, and where they want.
Current EWA regulations are designed to protect consumers and typically regulate EWA providers rather than employers. This shifting landscape creates opportunities for employers to partner with compliant providers who can navigate regulatory requirements on their behalf. The key is selecting a provider with a robust compliance infrastructure and transparent practices.
Below, we have provided a list of questions to help guide you as you navigate EWA vendors to ensure you are asking the right questions and obtaining information to help you make an informed decision.
