# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 15. Earned Wage Access

#### Section 12-1504

A provider of earned wage access may not:

(1) Share with an employer any charges received from a consumer for earned wage access;

(2) Solicit or charge a tip;

(3) Condition a consumer's ability to obtain earned wage access on the consumer's ability or willingness to pay the provider a tip;

(4) Charge a consumer a late fee, interest, or other penalty for failure to pay any proceeds or fees;

(5) Report any information about a consumer's failure to pay any proceeds or fees to any consumer reporting agency;

(6) Obtain a consumer's credit report as a method of qualifying the consumer for earned wage access;

(7) Receive interest from a consumer; or

(8) Compel or attempt to compel payment by a consumer of any proceeds, fees, tips, gratuities, or other donations through:

  (i) A civil action against the consumer;

  (ii) The use of a third party to pursue collection from the consumer on the provider's behalf; or

  (iii) The sale or assignment of outstanding amounts to a third-party collector or debt buyer for collection from the consumer.

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Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)