HR 7428 — Earned Wage Access Consumer Protection Act
Congress 118
Latest action: — Placed on the Union Calendar, Calendar No. 650.
Sponsors (1)
- Donalds, Byron (R, FL-19) — cosponsor
Action timeline (8)
- · H11100 — Referred to the House Committee on Financial Services.
- · Intro-H — Introduced in House
- · 1000 — Introduced in House
- — Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 22.
- — Committee Consideration and Mark-up Session Held
- · H12410 — Placed on the Union Calendar, Calendar No. 650.
- · H12200 — Reported (Amended) by the Committee on Financial Services. H. Rept. 118-787.
- · 5000 — Reported (Amended) by the Committee on Financial Services. H. Rept. 118-787.
Bill text (extracted)
Amendments
Congressional Research Service briefs (3)
CRS reports that cite this bill in their relatedMaterials — what Congress was reading on the topic. Click any report for its summary, formats, and bill-citation walk.
- Interest Rate Caps on Credit Cards: Policy Issues
IF12861· Resources · 2026-03-10While the cost of financial services is a perennial topic of congressional debate, Congress has recently paid particular attention to the costs associated with credit cards, one of the most popular payment options for co - Overview of the Truth in Lending Act
IF12769· Resources · 2024-09-19The Truth in Lending Act (TILA; 15 U.S.C. §§1601 et seq.) requires creditors to disclose standardized information for various financing products and offers additional consumer protections. TILA applies to most forms of c - Earned Wage Access Products
IF12727· Resources · 2024-07-31For many people, the need for cash in between paychecks is a substantial burden. Earned wage access (EWA) products have generally been developed by technology-focused, nonbank financial technology companies (or “fintechs
Connected on the graph
4 typed relationships in the influence graph — 1 inbound, 3 outbound, grouped by type.
cited in report (3)
| date | dir | entity | amount | role | source |
|---|---|---|---|---|---|
| — | → | IF12727 | — | crs-report-relatedMaterials | |
| — | → | IF12769 | — | crs-report-relatedMaterials | |
| — | → | IF12861 | — | crs-report-relatedMaterials |
cosponsor of bill (1)
| date | dir | entity | amount | role | source |
|---|---|---|---|---|---|
| — | ← | Donalds, Byron | — | cosponsor | sponsorship |
Who matters on this bill
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Donalds, Byron (R, house FL-19) | cosponsor | 0 | — | 1 |
Who's influencing them
Orgs ranked by combined money flow on this bill: LDA filings citing the bill + individual contributions in cycle 2026from donors whose employer matches the org name (Schedule A) to any principal committee in the "who matters" list above.
| # | Org | LDA filings | LDA spend | Donor employees | Employee donations | Total |
|---|---|---|---|---|---|---|
| 1 | retired | 0 | $0 | 452 | $167,834 | $167,834 |
| 2 | self-employed | 0 | $0 | 23 | $7,620 | $7,620 |
| 3 | homemaker | 0 | $0 | 3 | $3,523 | $3,523 |
| 4 | opko health inc | 0 | $0 | 1 | $1,800 | $1,800 |
| 5 | keystone | 0 | $0 | 1 | $1,425 | $1,425 |
| 6 | vaproshield | 0 | $0 | 1 | $1,250 | $1,250 |
| 7 | the mosaic company | 0 | $0 | 1 | $1,000 | $1,000 |
| 8 | brenner oil | 0 | $0 | 1 | $855 | $855 |
| 9 | entrepreneur | 0 | $0 | 2 | $775 | $775 |
| 10 | disabled | 0 | $0 | 1 | $656 | $656 |
| 11 | hollard residential | 0 | $0 | 1 | $625 | $625 |
| 12 | famlee investment company | 0 | $0 | 1 | $550 | $550 |
| 13 | wellspan | 0 | $0 | 1 | $500 | $500 |
| 14 | leyensco | 0 | $0 | 1 | $500 | $500 |
| 15 | jeannes monogramming gifts | 0 | $0 | 1 | $500 | $500 |
| 16 | tribles inc | 0 | $0 | 1 | $400 | $400 |
| 17 | hudson infectious dis | 0 | $0 | 1 | $400 | $400 |
| 18 | not employed | 0 | $0 | 2 | $366 | $366 |
| 19 | allied universal security | 0 | $0 | 1 | $351 | $351 |
| 20 | stewart pllc | 0 | $0 | 1 | $350 | $350 |
| 21 | payne law group | 0 | $0 | 1 | $301 | $301 |
| 22 | cowren story llc | 0 | $0 | 1 | $300 | $300 |
| 23 | pencor | 0 | $0 | 1 | $300 | $300 |
| 24 | charles campbell | 0 | $0 | 1 | $267 | $267 |
| 25 | mid atlantic door group inc | 0 | $0 | 1 | $250 | $250 |
Stance (positions taken)
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
1 predicted yes (0%) · 266 predicted no (49%) · 276 unknown (51%)
By party: · R: 1 yes / 0 no / 276 unknown · D: 0 yes / 263 no · I: 0 yes / 3 no
1 high-confidence positions (voted + sponsor + cosponsor)
- Donalds, Byron (R · house · FL-19) · cosponsor
Timeline
Every typed-graph event involving this entity, newest first. Each row is one edge in the influence graph; the inline strip under the row shows the counterpart's own context (a bill's latest action, a hearing's chamber + date, a filing's form type + filed date, a clip's source + excerpt) so the timeline reads like a Wikipedia citation rail.
- 2026-05-25 · Cited in GAO report IF12727 · crs-report-relatedMaterials
- 2026-05-25 · Cited in GAO report IF12769 · crs-report-relatedMaterials
- 2026-05-23 · Cited in GAO report IF12861 · crs-report-relatedMaterials
- 2026-05-17 · cosponsored by Donalds, Byron (cosponsor) · sponsorship