EarnIn
EarnIn, a leading provider of EWA, partnered with Tusk to secure a clear, fair regulatory framework across the U.S.
As a working mother in Maryland, each day brings new challenges and joys, especially when raising a young daughter. Like so many parents, I’m committed to giving her the life she deserves and providing for her emotionally and financially.
It’s been six months since Connecticut implemented its new rules on earned wage access (EWA), leaving me and thousands of other hard-working Connecticut residents in a bind.
The Consumer Financial Protection Bureau was hit with a barrage of public comments last week regarding its earned wage access rule proposal ahead of a Friday deadline for that feedback.
EarnIn, a leading Earned Wage Access (EWA) provider, gives working Americans real-time access to their wages and offers a consumer-friendly alternative to predatory short-term liquidity products. Despite its benefits, EWA remains in a regulatory gray area in many states and is at risk of being wrongly categorized as a form of small-dollar lending. EarnIn brought in Tusk to help secure a fair, clear regulatory framework that protects access to EWA while warding off harmful classifications and restrictions.
Tusk led a national, multi-state campaign that blended legislative strategy, grassroots activation, and coalition building. We partnered closely with EarnIn to pass landmark legislation in six states, while actively advancing bills in priority markets including Maryland, New York, and Connecticut.
Central to our strategy was empowering EarnIn’s customers as the voice of the campaign. We generated nearly a quarter million letters of support from users in all 50 states directed to state legislatures, the CFPB, and California’s DFPI. More than 150,000 letters were submitted to the CFPB in opposition to proposed rules that would have misclassified EWA as a loan. Tusk also recruited dozens of EarnIn users to share their stories via op-eds, legislative testimony, press conferences, and lobby days. Beyond customer engagement, Tusk runs EarnIn’s communications function, supports coalition-building and partnership efforts, and executes paid media campaigns across a number of markets to advance legislative priorities.
EarnIn and Tusk have reshaped the regulatory landscape for EWA. Legislation we supported is now law in six states: Utah, Missouri, Kansas, Wisconsin, Arizona, and New Mexico. Efforts are ongoing in several more. In California and at the CFPB, we reset the negotiating table, moving the entire industry closer to a common-sense regulatory framework.