Utah § 13-78-101 Definitions.

Utah Statutes

§ 13-78-101 — Definitions.

Utah § 13-78-101

Title 13Commerce and Trade

Ch. 13-78Earned Wage Access Services Act

This text of Utah § 13-78-101 (Definitions.) is published on Counsel Stack Legal Research, covering Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Utah Code Ann. § 13-78-101 (2026).

Text

As used in this chapter:

(1)"Consumer" means an individual who resides in the state.

(2)"Earned but unpaid income" means compensation, including salary, wages, or other income, that is:

(2)(a) earned or accrued by a consumer through services provided to an employer or as an independent contractor; and

(2)(b) not paid yet to the consumer by the employer or hiring party.

(3)"Earned wage access services" means the payment of funds to a consumer determined by:

(3)(a) (3)(a)(i) a consumer's representation; and

(3)(a)(ii) the provider's reasonable determination of earned but unpaid income; or

(3)(b) employment, income, and attendance data obtained directly or indirectly by a provider from an employer or an employer's payroll service provider.

(4)(4)(a) "Fee" means a charge the provider impos

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As used in this chapter:
(1) "Consumer" means an individual who resides in the state.
(2) "Earned but unpaid income" means compensation, including salary, wages, or other income, that is:
(2)(a) earned or accrued by a consumer through services provided to an employer or as an independent contractor; and
(2)(b) not paid yet to the consumer by the employer or hiring party.
(3) "Earned wage access services" means the payment of funds to a consumer determined by:
(3)(a) (3)(a)(i) a consumer's representation; and
(3)(a)(ii) the provider's reasonable determination of earned but unpaid income; or
(3)(b) employment, income, and attendance data obtained directly or indirectly by a provider from an employer or an employer's payroll service provider.
(4) (4)(a) "Fee" means a charge the provider imposes on a consumer for earned wage access services, expedited delivery of funds, or a subscription or membership that includes earned wage access services.
(4)(b) "Fee" does not include a voluntary tip, gratuity, or donation.
(5) (5)(a) "Provider" means a person engaged in the business of offering earned wage access services.
(5)(b) "Provider" does not include:
(5)(b)(i) a service provider, such as a payroll service provider, that verifies, but does not fund, earned wages;
(5)(b)(ii) an employer that advances a portion of earned wages directly to employees or independent contractors; or
(5)(b)(iii) a person regulated under Title 7, Financial Institutions Act.