Indiana § 28-8-6-1002 - Earned wage access services not considered to be violations; licensees who offer or provide earned wage access services not considered a lender, creditor, credit services organization, debt collector, or money transmitter; fees or voluntary tips, gratuities or other donations not considered interest or finance charges; conflicting provisions
Full text of Indiana Indiana Code § 28-8-6-1002 — Earned wage access services not considered to be violations; licensees who offer or provide earned wage access services not considered a lender, creditor, credit services organization, debt collector, or money transmitter; fees or voluntary tips, gratuities or other donations not considered interest or finance charges; conflicting provisions, with citation guidance and answers to common questions.
§ 28-8-6-1002. Earned wage access services not considered to be violations; licensees who offer or provide earned wage access services not considered a lender, creditor, credit services organization, debt collector, or money transmitter; fees or voluntary tips, gratuities or other donations not considered interest or finance charges; conflicting provisions
Sec. 1002. (a) Notwithstanding any other provision of law, earned wage access services offered or provided by a licensee in accordance with this chapter are not considered to be any of the following:
(1) A violation of, or noncompliance with, any Indiana law governing deductions from payroll, salary, wages, compensation, or other income.
(2) A violation of, or noncompliance with, any Indiana law governing:
(A) the purchase of;
(B) the sale or assignment of; or
(C) an order for;
earned but unpaid income.
(3) A loan or other form of credit or debt.
(4) Money transmission (as defined in IC 28-8-4.1-201(19)).
(b) Notwithstanding any other provision of law, a licensee that offers or provides earned wage access services in accordance with this chapter is not considered to be any of the following solely by reason of offering or providing the earned wage access services:
(1) A lender, creditor, credit services organization (as defined in IC 24-5-15-2), or debt collector.
(2) A money transmitter for purposes of IC 28-8-4.1.
However, this subsection does not exempt a licensee under this chapter from complying with section 802(7) of this chapter, as applicable.
(c) Notwithstanding any other provision of law:
(1) fees; or
(2) voluntary tips, gratuities, or other donations;
paid by a consumer to a licensee in accordance with this chapter are not considered to be interest or finance charges and shall not be subject to IC 35-45-7-2.
(d) If there is a conflict between the provisions of this chapter and any other Indiana law, the provisions of this chapter control.
As added by P.L.222-2025, SEC.5.
Source: official Indiana text · Last verified 2026-08-27
Frequently Asked Questions About Indiana § 28-8-6-1002
What does Indiana Code § 28-8-6-1002 cover?
Section 28-8-6-1002 ("Earned wage access services not considered to be violations; licensees who offer or provide earned wage access services not considered a lender, creditor, credit services organization, debt collector, or money transmitter; fees or voluntary tips, gratuities or other donations not considered interest or finance charges; conflicting provisions") is part of the Indiana Code, the codified statutory law of Indiana. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Indiana § 28-8-6-1002?
A common citation format is "Indiana Code § 28-8-6-1002" (Indiana). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Indiana law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Indiana official source linked on this page or consult a licensed Indiana attorney.
How does Indiana § 28-8-6-1002 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Indiana can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Indiana.