{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this advisory opinion to resolve regulatory uncertainty regarding the applicability of the definition of credit under Regulation Z, which implements the Truth in Lending Act (TILA), to certain earned wage access (EWA) programs that conform to the summary of material facts provided in part I.B of this advisory opinion.","action":"Advisory opinion.","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2020/12/10/2020-26664.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1026","title":12}],"citation":"85 FR 79404","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This advisory opinion is effective on December 10, 2020.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2020-26664","effective_on":"2020-12-10","end_page":79408,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2020/12/10/2020-26664.xml","html_url":"https://www.federalregister.gov/documents/2020/12/10/2020-26664/truth-in-lending-regulation-z-earned-wage-access-programs","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2020-26664?publication_date=2020-12-10","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2020-12-10/2020-26664/mods.xml","not_received_for_publication":null,"page_length":5,"page_views":{"count":3090,"last_updated":"2026-09-21 14:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-12-10/pdf/2020-26664.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-26664.pdf?1607521543","publication_date":"2020-12-10","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2020/12/10/2020-26664.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2020-0007","supporting_documents_count":0,"docket_id":"CFPB-2020-0007","document_id":"CFPB-2020-0007-0041","regulation_id_number":null,"title":"2020 Notices","checked_regulationsdotgov_at":"2020-12-13T04:30:08Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":79404,"subtype":null,"title":"Truth in Lending (Regulation Z); Earned Wage Access Programs","toc_doc":"Truth in Lending (Regulation Z); Earned Wage Access Programs","toc_subject":"Advisory Opinion:\n","topics":[],"type":"Rule","volume":85}