Sheri Wilkins talks about her experience using the DailyPay app outside of the clubhouse at her apartment complex in College Station, Texas on Tuesday, March 26, 2024. (AP Photo/Sam Craft)
Anna Branch poses for a portrait Friday, March 29, 2024, in Chattanooga, Tenn. Branch has been paying to access her wages before payday, using apps like EarnIn, Empower, and Dave. Consumer advocates and lawmakers say the cash advances, which call themselves "Earned Wage Access," have costs comparable to payday loans. (AP Photo/George Walker IV)
Sheri Wilkins talks about her experience using the DailyPay app outside of the clubhouse at her apartment complex in College Station, Texas on Tuesday, March 26, 2024. (AP Photo/Sam Craft)
Sheri Wilkins talks about her experience using the DailyPay app outside of the clubhouse at her apartment complex in College Station, Texas on Tuesday, March 26, 2024. (AP Photo/Sam Craft)
Sheri Wilkins talks about her experience using the DailyPay app outside of the clubhouse at her apartment complex in College Station, Texas on Tuesday, March 26, 2024. (AP Photo/Sam Craft)
Sheri Wilkins talks about her experience using the DailyPay app outside of the clubhouse at her apartment complex in College Station, Texas on Tuesday, March 26, 2024. (AP Photo/Sam Craft)
Anna Branch poses for a portrait Friday, March 29, 2024, in Chattanooga, Tenn. Branch has been paying to access her wages before payday, using apps like EarnIn, Empower, and Dave. Consumer advocates and lawmakers say the cash advances, which call themselves "Earned Wage Access," have costs comparable to payday loans. (AP Photo/George Walker IV)
Anna Branch poses for a portrait Friday, March 29, 2024, in Chattanooga, Tenn. Branch has been paying to access her wages before payday, using apps like EarnIn, Empower, and Dave. Consumer advocates and lawmakers say the cash advances, which call themselves "Earned Wage Access," have costs comparable to payday loans. (AP Photo/George Walker IV)
Anna Branch poses for a portrait Friday, March 29, 2024, in Chattanooga, Tenn. Branch has been paying to access her wages before payday, using apps like EarnIn, Empower, and Dave. Consumer advocates and lawmakers say the cash advances, which call themselves "Earned Wage Access," have costs comparable to payday loans. (AP Photo/George Walker IV)