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The Importance of Multiple, No-Fee Earned Wage Access Options for Workers

One of the biggest developments in payroll in recent years is the rise of “on-demand pay”, also often called “earned wage access”. Earned wage access programs, which are built on the premise that workers should have access...more

Earned Wage Access & the American Overdraft Fee Crisis

You know we have a serious economic justice problem in this country when the poorest Americans are paying $8 billion in overdraft fees in $35 increments to the nation’s largest banks. But that’s exactly what happened in 2020...more

Earned Wage Access: A Sword In The Fight Against Payday And Overdraft

Earned wage access (EWA) is the fastest growing employee benefits category, increasingly offered by forward-thinking employers looking to assist in creating a more financially secure workforce. The technology, typically...more

Earned Wage Access: A Regulatory North Star

There has been much discussion of on-demand payroll (often called earned wage access) as it has exploded in popularity in recent years. The technology, which allows employers to “virtualize” the payroll process, and run...more

Earned Wage Access And The Law: A Regulatory Revue

Over the past few years, earned wage access (EWA) has exploded in popularity because it’s good for workers’ financial health and stability. Financially healthy workers are less stressed, stay at work longer, and perform...more

How do you have Earned Wage Access without Wages?

Earned Wage Access (EWA), also called on-demand pay or real-time payroll, is an exciting new employee benefit and payroll technology.  Historically, payroll is run infrequently by employers because it is costly and...more

Unfair and Deceptive Acts and Practices: Tips

If I told you I was going to give you money now and forcibly take it back from you a few days from now, that is a loan. If you paid me a fee for this, you’d probably presume this to be interest on your loan. But what if...more

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