SB 94

Commercial Law - Earned Wage Access - Revisions

Sponsor: Chair, Finance CommitteeCommittee: FinanceSubject: Commercial Law - Consumer ProtectionStatus: Approved by the Governor - Chapter 170 (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 (40)

MGA witness list

FAV 19FavorableFWA 10Favorable with amendmentsUNF 11Unfavorable

Position	Witness	Organization	Testimony
FAV	Gilmore , Deniselobbyist	AFSCME Maryland	Written (PDF)
FAV	Muckle, Lonialobbyist	CASH Campaign of Maryland	Written (PDF)
FAV	Barkley- Denney, Whitney	CRL	Written (PDF)
FAV	McKinney, Robinlobbyist	Consumer Protection Commission	Written (PDF)
FAV	White, Marcelinelobbyist	Economic Action Maryland	Written (PDF)
FAV	Fulginiti, Andrew	Maryland Department of Labor	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	Edwards, Donna	Maryland State & District of Columbia AFL-CIO	Written (PDF)
FAV	Themelis, Nina	Mayor's Office of Government Relations	Written (PDF)
FAV	Crotty, Patrick	National Consumer Law Center	Written (PDF)
FAV	Hennen, Amy	Office of Financial Regulation, Maryland Department of Labor	Written (PDF)
FAV	Nichols, Nora	Office of the Attorney General	Written (PDF)
FAV	Salazar, Antonio	Office of the Commissioner of Financial Regulation	Oral
FAV	Barnes, Andrea	Individual	Written (PDF)
FAV	Chair, Finance Committee, Chair, Finance Committee	Individual	Oral
FAV	Chair, Finance Committee, Chair, Finance Committee	Individual	Oral
FAV	Davis, Anthony	Individual	Oral + Written (PDF)
UNF	Urisman, Ashleylobbyist	American Fintech Council	Written (PDF)
UNF	Rider, Tara	Brigit	Oral + Written (PDF)
UNF	Rider, Tara	Brigit	Written (PDF)
UNF	Raymond, Max	Chamber of Progress	Oral + Written (PDF)
UNF	Flores, Claudialobbyist	DailyPay, Inc.	Written (PDF)
UNF	LaRocco, Ben	EarnIn	Written (PDF)
UNF	LaRocco, Ben	EarnIn	Oral
UNF	Garcia, Leo	Financial Technology Association	Written (PDF)
UNF	Mamula, Sarah	Financial Technology Association	Oral
UNF	Manno, Rogerlobbyist	Manno & Associates LLC	Oral + Written (PDF)
UNF	Boston, Frank	Individual	Oral
FWA	Jones, Ricarra	1199seiu	Written (PDF)
FWA	Moore, Tonaeyalobbyist	CASH Campaign of Maryland	Oral + Written (PDF)
FWA	Barkley- Denney, Whitney	CRL	Oral + Written (PDF)
FWA	Wilson Randall, Claudia	Community Development Network of Maryland	Written (PDF)
FWA	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FWA	Russell, Sean	MVLS	Written (PDF)
FWA	Meeks, Wilson	Maryland Attorney General's Office, Consumer Protection Division	Oral
FWA	Torrence, James	No Boundaries Coalition Inc.	Written (PDF)
FWA	Leonard Howie, Deputy Attorney General	OAG	Oral + Written (PDF)
FWA	Snyder, Co-Chair, Abby	Poverty Free Maryland	Written (PDF)

Organizations on record

1199seiuFWA 1

AFSCME MarylandFAV 1

American Fintech CouncilUNF 1

BrigitUNF 2

CASH Campaign of MarylandFAV 1FWA 1

Chamber of ProgressUNF 1

Community Development Network of MarylandFWA 1

Consumer Protection CommissionFAV 1

CRLFAV 1FWA 1

DailyPay, Inc.UNF 1

EarnInUNF 2

Economic Action MarylandFAV 1FWA 1

Financial Technology AssociationUNF 2

Manno & Associates LLCUNF 1

Maryland Attorney General's Office, Consumer Protection DivisionFWA 1

Maryland Department of LaborFAV 2

Maryland Office of Financial RegulationFAV 1

Maryland State & District of Columbia AFL-CIOFAV 2

Mayor's Office of Government RelationsFAV 1

MVLSFWA 1

National Consumer Law CenterFAV 1

No Boundaries Coalition Inc.FWA 1

OAGFWA 1

Office of Financial Regulation, Maryland Department of LaborFAV 1

Office of the Attorney GeneralFAV 1

Office of the Commissioner of Financial RegulationFAV 1

Poverty Free MarylandFWA 1

Registered lobbyists who testified

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

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

FAVMcKinney, RobinConsumer Protection CommissionRegistered for: CASH Campaign of Maryland

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

UNFUrisman, AshleyAmerican Fintech CouncilRegistered for: American Fintech Council

UNFFlores, ClaudiaDailyPay, Inc.Registered for: DailyPay

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

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