Modifies provisions governing earned wage access services

HB 1113 requires companies offering "earned wage access services" (which let workers access earned but unpaid wages early) to register with Missouri's Division of Finance and pay a $1,000 annual fee. It mandates clear disclosure of all fees to workers, prompt handling of consumer complaints, and rules to prevent providers from causing bank overdraft fees when collecting payments. The law applies to providers but excludes banks, credit unions, and lenders. Its key focus is increasing transparency and consumer protection in this financial service sector.