Cash advance app rules in Kansas

Fees

• A registrant may not charge an "unreasonable fee" for expedited delivery (K.S.A. 9-2406(d)); no dollar cap is set.
• A registrant may not charge interest or finance charges (K.S.A. 9-2406(c)).
• Before an agreement, the registrant must fully and clearly disclose all fees and clearly and conspicuously describe how to get proceeds at no cost (K.S.A. 9-2405(c)).
• "Fee" covers delivery or expedited delivery fees and subscription or membership fees; a voluntary tip is not a fee (K.S.A. 9-2402(i)).

Tips

• Immediately before each transaction, the registrant must disclose that a tip may be zero and is voluntary (K.S.A. 9-2405(h)).
• The agreement must say that the amount and frequency of advances do not depend on tips (K.S.A. 9-2405(h)).
• The registrant may not tie the amount or frequency of advances to whether, or how much, the consumer pays in fees or tips (K.S.A. 9-2406(f)).
• No misleading statements about tips being voluntary, and no claims that tips benefit specific individuals (K.S.A. 9-2406(g)).
• The registrant may not share fees or tips with the employer (K.S.A. 9-2406(e)).

Other rules

• All proceeds must be non-recourse (K.S.A. 9-2405(a)).
• No lawsuits, third-party collection, outbound collection calls or debt sales to collect (K.S.A. 9-2406(a)).
• No late, deferral or other penalty fees for non-repayment (K.S.A. 9-2406(b), (h)).
• No reporting to credit bureaus or debt collectors; no requiring a credit score; no accepting credit as payment (K.S.A. 9-2406(i)-(k)).
• The registrant must tell the consumer when each repayment attempt will be made and reimburse overdraft or NSF fees caused by early or wrong-amount debits (K.S.A. 9-2405(i)).
• EWA from a registrant is not a loan or money transmission, fees and tips are not interest or finance charges, and the Uniform Consumer Credit Code does not apply (K.S.A. 9-2407).

Who is licensed or registered

The state publishes an official list.

We have not been able to check this list yet (it sits behind a verification step we don’t automate). Search it yourself at the link above.

Lists change. Check the regulator’s current list before you rely on it.

What we could not confirm

• Which apps are registered in Kansas: NMLS Consumer Access was not queried because it requires a CAPTCHA.
• Surety bond amount (K.S.A. 9-2404) and the registration fee amount were not recorded.