Indiana's New Earned Wage Access Law: What Banks Need to Know in 2026

Indiana’s financial sector is preparing for major regulatory change in 2026, and Hoosier Banker turned to Joey K. Wright for clarity. In her article, “Indiana’s New Earned Wage Access Law: What Banks Need to Know in 2026,” Joey breaks down House Enrolled Act 1125—the state’s new framework governing earned wage access (EWA) programs. He explains what EWA is, why Indiana is regulating it, and how the law’s licensing rules, fee restrictions, and consumer‑protection requirements will reshape the way providers, employers, and financial institutions operate.

Joey also outlines what this means for banks specifically, from vendor due diligence and payroll implications to new partnership opportunities in the EWA space. Her guidance helps institutions understand both compliance obligations and the strategic advantages created by the new law. For organizations evaluating EWA programs or preparing for 2026, Joey’s analysis offers a clear, practical roadmap.

You can read Joey's full article in the January/ February 2026 issue of Hoosier Banker.