Wages; creating the Oklahoma Earned Wages Access Services Act; allowing an earned wage access services provider to provide certain services. Effective date.

SB 781 establishes the Oklahoma Earned Wages Access Services Act, regulating companies that let workers access earned but unpaid wages (like salary or hourly pay) before their regular payday. It requires providers to clearly disclose all fees, offer at least one no-cost option for accessing wages, and not link services to voluntary tips or donations. Providers must follow privacy laws and refund consumer overdraft fees if they incorrectly attempt repayment through bank accounts. This bill directly affects Oklahoma workers using these services and the companies offering them.