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Kentucky · 2025 Regular Session · Bill

HB 645: AN ACT relating to earned income access transactions.

In committee Official data

  1. Introduced
  2. In committee
  3. Passed one chamber
  4. Passed both chambers
  5. Enacted

Last official action: ·Record last updated:

Plain-language summary

HB 645 is a bill introduced in the Kentucky House on February 18, 2025. According to its official title, it concerns: AN ACT relating to earned income access transactions. Most recent recorded action (February 26, 2025): to Banking & Insurance (H).

Generated automatically from the official title, sponsor list, and status record only. It does not characterize the bill’s purpose or effects. How summaries are written

Official summary

Abstract published by the legislature (via Open States). Text as published by the legislature; reproduced verbatim.

Establish Subtitle 13 of KRS Chapter 286, the Kentucky Financial Services Code, and create new sections thereof to regulate earned income access transactions; define terms; establish licensing requirements for certain earned income access providers; establish requirements for the change of control of a licensee; establish records requirements for licensees; require annual and other reports by licensees; permit the commissioner of the Department of Financial Institutions to conduct examinations and investigations of licensees and other persons; establish trade practice requirements for licensees; require the commissioner to establish a database for use by the department and licensees and establish requirements relating to the use of the database; require the nonrenewal, revocation, or suspension of licenses if certain conditions are met; authorize the commissioner to promulgate administrative regulations and to levy civil penalties for certain conduct; provide that certain transactions are void; amend KRS 286.4-410 and 371.150 to conform; provide that Sections 1 to 11 of this Act may be cited as the Kentucky Earned Wage Access Act; provide that the Act applies to earned income access transactions offered or provided on or after January 1, 2026.

Sponsors

NameRolePartyChamberDistrict
No sponsor recorded in source data.

“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.

Recent official actions

  1. to Banking & Insurance (H)
  2. to Committee on Committees (H)
  3. introduced in House

Sources

  1. Open States / Plural (data from the official legislature website)
  2. Official legislature source