Ohio2026Passed Legislature

HB152

Ohio Law Regulating Earned Wage Access Services

Last scannedAug 25, 2026, 4:32 AM

In one sentence

This bill requires companies offering earned wage access services in Ohio to register with the state, pay fees, and undergo background checks.

Requires companies offering earned wage access services to get a certificate of registration from the state before operating.
Sets up application fees including a $200 investigation fee and a $300 annual registration fee.
Mandates criminal, civil, administrative, and credit history background checks on key officers like CEOs and CFOs.
Requires companies to use a nationwide multistate licensing system for applications and renewals.
Defines specific terms such as 'provider,' 'consumer,' and 'earned but unpaid income' within the law.

Companies that provide earned wage access services in Ohio
Workers who use these services to get paid before payday
The Superintendent of Financial Institutions, who oversees the registration process

The provided text cuts off before finishing the rules for what happens if an application is missing information.
The bill does not list specific dates when this law will start or end based on the available excerpt.
The full details of how much companies must pay for out-of-state investigations are not fully listed in this section.

Plain language

Earned but unpaid income: Salary or wages a worker has earned through work that they have not yet been paid for.
Provider: A business company that offers and provides earned wage access services to consumers.
Certificate of registration: An official document the state issues allowing a company to legally offer these services in Ohio.

Official record

Source attached

Regulate the provision of earned wage access services

Official activity