BILL · 2025–26 SESSION · LATEST VERSION SSB 5328

SB 5328: Earned wage access services

Concerning the regulation of earned wage access services.

Summary

Creates a licensure framework for employer-integrated earned wage access services to be regulated by the Department of Financial Institutions.
Makes employer-integrated earned wage access services subject to the Consumer Protection Act.
Defines consumer-directed earned wage access services as loans that are subject to the Washington State Consumer Loan Act.
Limits the fees that employer-integrated earned wage access services can charge consumers.
Limits the aggregate amount of fees that an employer-integrated earned wage access services provider can charge a consumer to no more than $10 per month.

From the Substitute Senate Bill Report (SSB 5328), written by the Legislature's nonpartisan staff. Read the full report ↗

Did not pass Did not pass · passed Senate, stalled in House

AN ACT Relating to the licensing and regulation of businesses providing earned wage access services;

Passed March 7, 2025

Version voted on: SSB 5328

29 Yea 20 Nay 0 Absent 0 Excused

Party	Yea	Nay	Absent	Excused
Democrat	29	1	0	0
Republican	0	19	0	0

How each member voted

Feb 26, 2026Senate Rules "X" file. (SSB 5328)
Feb 4, 2026Placed on third reading by Rules Committee. (SSB 5328)
Jan 12, 2026By resolution, reintroduced and retained in present status. (SSB 5328)
Apr 27, 2025By resolution, returned to Senate Rules Committee for third reading. (SSB 5328)
Mar 9, 2025First reading, referred to Consumer Protection & Business. (SSB 5328)
Mar 7, 2025Third reading, passed; yeas, 29; nays, 20; absent, 0; excused, 0. (SSB 5328)
Mar 7, 2025Rules suspended. Placed on Third Reading. (SSB 5328)
Mar 7, 20251st substitute bill substituted. (SSB 5328)
Mar 7, 20251st substitute bill substituted.
Mar 5, 2025Placed on second reading by Rules Committee. (SSB 5328)
Mar 5, 2025Placed on second reading by Rules Committee.
Feb 20, 2025Passed to Rules Committee for second reading. (SSB 5328)
Feb 20, 2025Passed to Rules Committee for second reading.
Feb 19, 2025BFT - Majority; 1st substitute bill be substituted, do pass. (SSB 5328)
Feb 19, 2025Minority; do not pass. (SSB 5328)
Feb 19, 2025Minority; do not pass.
Feb 19, 2025BFT - Majority; 1st substitute bill be substituted, do pass.
Jan 17, 2025First reading, referred to Business, Financial Services & Trade.

Bill numbers restart every two years, so the same number is a different bill in each session.

SB 5328 (2023–24) Pub safety telecommunicators · Did not pass · stalled on the Senate floor
SB 5328 (2021–22) Mental illness/clubhouses · Did not pass · passed Senate, stalled in House
SB 5328 (2019–20) Driver's license suspensions · Did not pass · died in committee
SB 5328 (2017–18) Aviation revitalization brd · Did not pass · passed Senate, stalled in House
SB 5328 (2015–16) Financial aid information · Enacted · Chapter 212, Laws of 2015
SB 5328 (2013–14) School grading program · Did not pass · passed Senate, stalled in House
SB 5328 (2011–12) Public assistnce eligibility · Did not pass · died in committee
SB 5328 (2009–10) State heritage center spaces · Did not pass · died in committee