§ 13-78-106. Applicability.

(1) A provider offering or providing earned wage access services in this state: (a) does not violate state law governing deductions from payroll, salary, wages, compensation, or other income or the purchase, sale or assignment of, or an order for earned but unpaid income; (b) is not offering a loan or other form of credit or debt, if the provider is not a creditor, a debt collector, or a lender; or (c) is not offering a money transmission, if the provider is not a money transmitter. (2) Fees, voluntary tips, gratuities, or other donations paid to the provider, in accordance with this chapter, are not interest or finance charges.