Mississippi Earned Wage Access Services Act; enact.

SB 2496, the Mississippi Earned Wage Access Services Act, regulates companies that allow workers to access earned but unpaid wages before their regular payday. It directly affects Mississippi workers (referred to as "consumers") and businesses providing these services ("providers"). Key provisions require providers to clearly disclose all fees, allow consumers to cancel services anytime without fees, make tips voluntary with clear upfront disclosure, and reimburse overdraft fees caused by their payment attempts. The bill also prohibits providers from suing workers for unpaid amounts, using third-party collectors, or reporting non-payment to debt agencies.