GA SB282

Establishes regulatory framework for earned wage access services in Georgia, allowing workers to access earned but unpaid wages before their regular payday through consumer-directed or employer-integrated providers

Caps fees at the greater of $5.00 or 5% of proceeds per transaction, and requires providers to offer at least one no-cost option when charging fees for wage access

Prohibits providers from charging late fees, interest, or penalties for failure to repay; using credit reports to determine eligibility; reporting to credit agencies; suing consumers; or using third-party debt collectors

Classifies compliant earned wage access services as not constituting lending, money transmission, or loans, and fees charged are explicitly not considered interest under state law

Applies to agreements entered into or renewed on or after July 1, 2025, with violations treated as unfair or deceptive practices under the Fair Business Practices Act