A provider of earned wage access may not: (1) Share with an employer any fees, tips, or other charges received from a consumer for earned wage access; (2) Condition a consumer's ability to obtain earned wage access on the consumer's ability or willingness to pay the provider a tip; (3) Charge a consumer a late fee, interest, or other penalty for failure to pay any proceeds, fees, or tips; (4) Report any information about a consumer's failure to pay any proceeds, fees, or tips to any consumer reporting agency; (5) Obtain a consumer's credit report as a method of qualifying the consumer for earned wage access; (6) Receive interest from a consumer; or (7) 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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