Has an EWA law

Cash advance app rules in Nevada

Nevada has a dedicated earned wage access law (NRS chapter 604D) that requires providers to be licensed by the Financial Institutions Division.

From official sources, checked 2026-10-18.

Status: Has an EWA law
In effect since: 2024-07-01
Regulator: Nevada Financial Institutions Division (Commissioner of Financial Institutions)
License or registration: A license is required

Fees

No dollar cap on fees appears in NRS 604D.
A license application must include a fee schedule with at least one way to get earned wage access at no cost to the user (NRS 604D.200).
Before signing up a user, the provider must fully and clearly disclose all fees (NRS 604D.400).
"Fee" covers delivery or expedited delivery fees and subscription or membership fees; a voluntary tip is not a fee (NRS 604D.100).

If a provider asks for tips, it must conspicuously disclose that tips do not go to any specific employee or person (NRS 604D.400).
If a provider asks for tips, it must conspicuously let the user choose zero (NRS 604D.400).
A provider may not share fees or tips with the employer (NRS 604D.410).

No late fees, deferral fees, interest or other penalties for not repaying (NRS 604D.410).
No use of credit reports or credit scores to decide eligibility (NRS 604D.410).
No reporting of non-repayment to a consumer reporting agency or debt collector, and no lawsuits, third-party collection or debt sales to collect, except for fraud (NRS 604D.410).
The provider must reimburse bank overdraft or NSF fees caused by debiting earlier than, or a different amount than, it disclosed (NRS 604D.400).
Users can cancel at any time without a fee (NRS 604D.400).
EWA provided by a licensee in compliance with the chapter is not a loan or money transmission, and its fees are not interest or finance charges (NRS 604D.190).
The chapter is marked "Effective through December 31, 2029" (SB 290 says those sections expire on that date).

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.

Which apps hold a Nevada EWA license: NMLS Consumer Access was not queried because it requires a CAPTCHA.
Contents of the FID regulation R096-23: the PDF is a scanned image and was not read.

Short on cash in Nevada? Cheaper options, including 211 and credit union loans capped at 28% APR.

Checked 2026-10-18. Not legal advice.