HB 237

Commercial Law - Earned Wage Access - Revisions

Sponsor: Chair, Economic Matters CommitteeCommittee: Economic MattersSubject: Commercial Law - Consumer ProtectionStatus: Hearing 2/03 at 1:30 p.m. (as of Sep 4, 2026)

What this bill does

Official synopsis

Prohibiting a lender from accepting a tip from a consumer or giving a consumer the option to provide a tip; altering the timeline for certain refunds; subjecting certain earned wage access providers and loan lenders to certain consumer loan requirements; etc.

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Analysis reads the bill text, the fiscal note, and the witness list. It is generated by Claude and reviewed by nobody, so check the source documents before you rely on it.

Testimony (25)

MGA witness list

FAV 9FavorableFWA 8Favorable with amendmentsUNF 7UnfavorableINFO 1Information only

Position	Witness	Organization	Testimony
FAV	Gilmore , Deniselobbyist	AFSCME Maryland	Written (PDF)
FAV	Wu, Secretary Portia	Maryland Department of Labor	Oral
FAV	Hyland, Kathleen	Maryland Office of Financial Regulation	Oral
FAV	Edwards, Donna	Maryland State & District of Columbia AFL-CIO	Written (PDF)
FAV	Hennen, Amy	Office of Financial Regulation, Maryland Department of Labor	Written (PDF)
FAV	Salazar, Antonio	Office of the Commissioner of Financial Regulation	Oral
FAV	Barnes, Andrea	Individual	Written (PDF)
FAV	Chair, Economic Matters Committee, Chair, Economic Matters Committee	Individual	Oral
FAV	Davis, Anthony	Individual	Oral + Written (PDF)
UNF	Rosenberg, Judith (Hudy)	American Fintech Council (AFC)	Oral + Written (PDF)
UNF	Rider, Tara	Brigit	Oral + Written (PDF)
UNF	Raymond, Max	Chamber of Progress	Oral + Written (PDF)
UNF	Mamula, Sarah	Financial Technology Association	Oral + Written (PDF)
UNF	Manno, Rogerlobbyist	Manno & Associates LLC	Oral + Written (PDF)
UNF	Bos, Amy	NetChoice	Oral
UNF	Boston, Frank	Individual	Oral
FWA	Moore, Tonaeyalobbyist	CASH Campaign of Maryland	Oral + Written (PDF)
FWA	Muckle, Lonialobbyist	CASH Campaign of Maryland	Written (PDF)
FWA	Taylor, Zachary	CDIA	Written (PDF)
FWA	Barkley- Denney, Whitney	CRL	Oral + Written (PDF)
FWA	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FWA	Meeks, Wilson	Maryland Attorney General's Office, Consumer Protection Division	Oral
FWA	Crotty, Patrick	National Consumer Law Center	Written (PDF)
FWA	Howie, Leonard	Individual	Oral + Written (PDF)
INFO	Harris, Mrs.	Individual	Position only

Organizations on record

AFSCME MarylandFAV 1

American Fintech Council (AFC)UNF 1

BrigitUNF 1

CASH Campaign of MarylandFWA 2

CDIAFWA 1

Chamber of ProgressUNF 1

CRLFWA 1

Economic Action MarylandFWA 1

Financial Technology AssociationUNF 1

Manno & Associates LLCUNF 1

Maryland Attorney General's Office, Consumer Protection DivisionFWA 1

Maryland Department of LaborFAV 1

Maryland Office of Financial RegulationFAV 1

Maryland State & District of Columbia AFL-CIOFAV 1

National Consumer Law CenterFWA 1

NetChoiceUNF 1

Office of Financial Regulation, Maryland Department of LaborFAV 1

Office of the Commissioner of Financial RegulationFAV 1

Registered lobbyists who testified

FAVGilmore , DeniseAFSCME MarylandRegistered for: AFSCME Maryland Council 3; AFSCME Council 3

UNFManno, RogerManno & Associates LLCRegistered for: CAUSE; Constellation; Fraternal Order of Police Lodge 35; Mechanical Contractors Association of Metro Washington; Mid-Atlantic Pipe Trades Association; Payactiv…

FWAMoore, TonaeyaCASH Campaign of MarylandRegistered for: CASH Campaign of Maryland

FWAMuckle, LoniaCASH Campaign of MarylandRegistered for: CASH Campaign of Maryland

FWAWhite, MarcelineEconomic Action MarylandRegistered for: Maryland Consumer Rights Coalition DBA Economic Action Maryland; Maryland Consumer Rights Coalition