This bill, titled the Earned Wage Access Consumer Protection Act, aims to regulate the provision of earned wage access (EWA) services to consumers. It mandates that if an EWA provider offers a fee-based option, they must also provide a no-cost option for consumers to access their earned wages. The legislation defines EWA services as the delivery of earned wages based on employment data or consumer representations, excluding direct employer payments or certain financial institution activities. Providers are required to furnish extensive disclosures to consumers both before entering an agreement and prior to each disbursement, detailing access limits, fees, and the no-cost option. Additional disclosures cover tips, which must be voluntary and not impact service eligibility. The bill also establishes a clear cancellation process without financial penalty and mandates a dispute resolution mechanism for issues like incorrect disbursements or unauthorized fees. Key consumer protections prohibit providers from filing civil suits, initiating arbitration, or using debt collectors to compel payment for disbursed wages, fees, or tips, with a narrow exception for false information. Providers cannot charge late fees, deferral fees, or report EWA activities to consumer reporting agencies. Furthermore, the Act mandates reimbursement for overdraft or non-sufficient funds fees caused by early or incorrect payment attempts by the provider. The bill prohibits discrimination based on protected characteristics and deems EWA providers as "financial institutions" for consumer data protection purposes. Importantly, it specifies that compliant EWA services are not considered credit, loans, or debt under federal law, and fees or tips are not interest or finance charges. While preserving state laws, it preempts those that would treat compliant EWA services as credit or substantially restrict their offering. The Bureau of Consumer Financial Protection is tasked with issuing necessary rules within 180 days.