In a letter to the author of the Earned Wage Access Consumer Protection Act, advocates warn: "In the guise of offering protections, the bill obscures its true effect: to exempt fintech cash advances from the Truth in Lending Act, to endorse a form of loan that makes workers pay to be paid, and to facilitate new evasions by payday lenders." The bill, currently a discussion draft, was considered as part of a House Financial Services Subcommittee hearing "Modernizing Financial Services Through Innovation and Competition," held on October 25, 2023—a hearing that the Center for Responsible Lending testified at.