CFPB cracks down on popular paycheck advance programs. Here’s what that means for workers

Key Points

The Consumer Financial Protection Bureau proposed a rule that would label paycheck advance programs as loans, if users are charged a fee.
These programs are sometimes known as earned wage access, daily pay, instant pay, accrued wage access, same-day pay and on-demand pay.
Under the proposed rule, users would see fees expressed as an APR, like credit-card interest rates.

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