Differences Between the EWA Bill and the CFPB Opinion
Start here
AI-assisted source synthesis · not an independent investigation.
On October 16, 2026, Payments Dive reported that Carl Morris, vice president of compliance at FlexWage Solutions, called on Congress to review the EWA bill H.R. 9330. Morris believes that the bill differs from the opinion issued by the CFPB on December 22, 2025, in terms of wage verification, repayment methods, overpayment handling, and individual credit risk assessments. The report stated that H.R. 9330 allows the use of a “reasonably determined” wage amount, does not specify a particular repayment process, does not restrict repeated deductions or risk assessments, and could affect state-level lending and usury protections. The report did not indicate whether Congress had taken any subsequent action.
AI-written from reports · updated 2 days ago
Timeline
Follow the reporting to see the different sides of the story.
- Payments DiveCarl Morris Calls on Congress to Review EWA Bill H.R. 9330
Carl Morris, Chief Compliance Officer at FlexWage Solutions, called on Congress to review EWA Bill H.R. 9330, arguing that it differs from the opinion issued by the CFPB on 2025-12-22 in wage verification, recovery methods, treatment of overpayments, and personal credit risk assessment. The article notes that H.R. 9330 allows the use of “reasonably determined” wage amounts, does not specify a particular recovery process, does not restrict repeated deductions or risk assessments, and could affect state-level lending and usury protections.
Heat over time
Current heat 3·Peak over the comparable range 9 (Oct 17 01:00)·Change over the comparable range in the last 24 hours -50%
Trends compare only the same entities that were fully and continuously observed, so the range can be narrower than the current heat statistics. Move the pointer or tap the chart to read hourly heat; arrow keys work on a keyboard.