Help keep access to your earnings safe | EarnIn

Help Keep Access to Your Earnings Safe

The State of California issued notice of a decision, which, if enacted, represents an existential threat to Earned Wage Access (EWA). The term EWA refers to the access of earnings before payday. In short, California is seeking to regulate EWA as short term loans, which could impact your credit score and limit your ability to choose what to pay. This would take away your right to choose what to pay.

Californians need your help to stop this misguided, harmful regulation.

As you know, EarnIn helps you access your money when you need it, no mandatory fees, no questions, no catch. EarnIn and other Earned Wage Access providers were designed specifically to disrupt the payday loan industry and present an alternative to bad actors.

Here’s how you can help protect access to your pay as you earn.

California regulators are accepting comments from the public. Your voice matters. Share how you value EarnIn and the difference EarnIn has made in your life. If this ruling would impact you and your family’s ability to manage your money, they need to know.

Submit comments in the form on this page, or by any of the following methods.

When sharing your story, consider a few things:

  • EarnIn and EWA Provides Critical Economic Benefit to Users.
  • EarnIn provided access to over $15 billion in earned wages for its Community Members across the country since the company’s inception
  • EWA providers like EarnIn offer a non-mandatory fee, non-recourse,
  • DFPI’s regulation is not based in fact nor informed by the positive
  • EarnIn and other EWA providers were designed to disrupt the payday loan industry and present a low cost alternative to other predatory
  • Earnin comes with no credit checks, interest, or mandatory fees, and always has a no cost EWA option, aiming to remove barriers for

By Email:

Comments may be submitted electronically to with a copy to Please put PRO 01-21 in the subject line.

By Postal Mail:

Department of Financial Protection and Innovation
Attn: Araceli Dyson
2101 Arena Boulevard
Sacramento, California 95834

EarnIn is a financial technology company, not a bank. Bank products are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

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