Time For Regulators To Embrace Earned Wage Access

By David Reidy, Susan Rodriguez, Brian Coughlan and Christine Mastromonaco (October 24, 2018, 12:26 PM EDT) -- Millions of Americans live paycheck to paycheck. The Pew Charitable Trusts report that 40 percent of Americans cannot cover a $400 emergency — which could be brought on by a car repair, health issue or job change — without borrowing money or selling something to do so.[1] With half the jobs in America paying less than $18 an hour, millions of Americans face cash shortfalls every month.[2] Often, the shortfall is small. The Consumer Financial Protection Bureau claims that account overdrafts in 2012 averaged just $24.[3]

Now, for those in need of a small sum to bridge the gap, Silicon Valley...

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