Provides for income access services in the state

This bill establishes a licensing and regulatory framework for "earned income access providers" in New York, which are companies that allow workers to receive wages they've already earned but aren't yet due (e.g., early paycheck access). It requires these providers to obtain a license, caps fees at $5 for transactions of $75 or less and $7 for larger transactions, and sets standards for transparency and consumer protection. The law directly affects workers using these services and the providers offering them, while exempting traditional banks and financial institutions from licensing requirements. Key provisions include mandatory fee limits, licensing requirements, and rules for advertising and data collection.