Delaware wants to regulate apps that pay you early

An Act To Amend Title 5 Of The Delaware Code Relating To Earned Wage Access Services Providers.

Introduced· 2025-05-13

Who's it for

Who's it for: Everyday People

What it means for you

6/10Mixed

Mixed: some good, some bad ·

Heavily funded

Plain‑English summary, cross‑checked against the official bill text.

This bill would force apps that let you access your paycheck early to get a state license and pass criminal background checks.

Our take

What we think, in plain words.

Apps that let you tap into your wages before payday are becoming very popular, but they often operate without much oversight. This bill would step in to make these companies register with the state, pay licensing fees, and prove they are running an honest business. While it does not ban the fees or tips these apps charge, it would give the state a way to keep an eye on them and deny licenses to bad actors.

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The facts

What the bill actually says, no spin.

Forces early paycheck apps to get a license from the State Bank Commissioner.
Requires company leaders to pass state and national criminal background checks.
Charges companies a $250 background check fee and a $1,500 yearly license fee.
Allows the state to deny a license if the company is not honest or financially stable.
Defines the fees and voluntary tips these apps can collect from users.