Full text of Utah Utah Code § 13-78-101 — Definitions., with citation guidance and answers to common questions.
§ 13-78-101. Definitions.
Effective 5/6/2026 13-78-101.
Definitions. As used in this chapter:
(1)
"Consumer" means an individual who resides in the state.
(2)
"Division" means the Division of Consumer Protection established in Section 13-2-102.
(3)
"Earned but unpaid income" means compensation, including salary, wages, or other income, that:
(a)
a consumer earns or accrues through services the consumer provides to an employer or as an independent contractor; and
(b)
the employer or hiring party has not yet paid to the consumer.
(4)
"Earned wage access services" means the payment of funds to a consumer determined by:
(a)
(i)
a consumer's representation; and
(ii)
the provider's reasonable determination of earned but unpaid income; or
(b)
employment, income, and attendance data obtained directly or indirectly by a provider from an employer or an employer's payroll service provider.
(5)
(a)
"Fee" means a charge the provider imposes on a consumer for earned wage access services, expedited delivery of funds, or a subscription or membership that includes earned wage access services.
(b)
"Fee" does not include a voluntary tip, gratuity, or donation.
(6)
(a)
"Provider" means a person that engages in the business of offering earned wage access services.
(b)
"Provider" does not include:
(i)
a service provider, such as a payroll service provider, that verifies, but does not fund, earned wages;
(ii)
an employer that advances a portion of earned wages directly to employees or independent contractors; or
(iii)
a person regulated under Title 7, Financial Institutions Act.
Section 13-78-101 ("Definitions.") is part of the Utah Code, the codified statutory law of Utah. 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 Utah § 13-78-101?
A common citation format is "Utah Code § 13-78-101" (Utah). 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 Utah law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Utah official source linked on this page or consult a licensed Utah attorney.
How does Utah § 13-78-101 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Utah can advise on how this section applies to you. Contact your state or local bar association for a referral.
