✕Earned wage access · 50 states
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Oct 5, 2026, 12:00 pm
AI Agent
State & approachBill
MarylandMD
State license, tips banned from Oct 1
SB 94In force Oct 1
IndianaIN
DFI license, fees capped at $5 or 5%
HB 1125In force Jan 1
MichiganMI
Licensed, not a loan, tips allowed
HB 5558Out of committee
New YorkNY
Treated as a loan, tips are finance charges
S8939In committee
Where each bill stands
In force
Indiana Jan 1, Utah May 6, Maryland Oct 1
INUTMD
Still pending
Both die if not passed by December
MINY
Died with the session
Next chance is the 2027 session
COAZOK
EnactedPendingDied
Personal AI analysis Based on your priorities
Maryland’s tip ban is live as of Oct 1, so any tip prompt in your Maryland flow has to come out now. A dead bill is not the end: three months after Colorado’s licensing bill died, its attorney general sued a major provider over tips and fees.
12 sec ago
Ask a follow-up… e.g., “compare the licensing rules in Maryland and Indiana”
Skills /
Tips ⌘ ?
Detailed bill comparison
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