Quinn Emanuel Partner Manisha Sheth and Associate Jack Robbins Article on Earned Wage Access Published in Law360

As earned wage access (EWA) products gain popularity among employees, Quinn Emanuel Partner Manisha M. Sheth and Associate Jack Robbins analyze how new enforcement actions are reshaping the regulatory landscape for this fast-growing industry in their latest article for Law360.

EWA products, which allow employees to access wages they’ve already earned before payday, have expanded rapidly through both employer-sponsored and direct-to-consumer models. However, with recent lawsuits by the New York, District of Columbia, and Baltimore attorneys general alleging that delivery fees and “voluntary” tips amount to usurious interest, providers face mounting legal risk.

The article examines the evolving patchwork of state and federal regulation, the uncertain status of CFPB’s proposed interpretive rule, and key steps providers can take to demonstrate good-faith compliance and maintain operational resilience amid intensifying scrutiny.

Read the full analysis here.

Learn more about our State Attorney General Litigation practice here.