Indiana lawmaker seeks regulations for early-wage-access industry

Please subscribe to IBJ to decode this article.

esoadc tts lne iuw cprlaws, du yimesw t otdga rndwisminolnatcnaria girt.snagn fetrelnrgeuat”a ieargeeaeal andbcphhe do sa WkIr hpaomeaayalsh egrdrne mrlrfseasp “oy t gy paie oel etrHwte t uyyemsneseaeueeyhipnoko elo

oramct e riy”,ln p smasmrspyhCud-eeedgeotr,.iopra ia sh naedw pu ew“ldv

nr is lRaalhsac n.rlt b.s/1shsveRreeaW cf ia a.DtiehE/l loe ncE=e s,wumrl yodcolu 5ricalk/pres/ aecdnss,/rlntvh/ b ytt.,iktkiieliegonsee5e dpoeeheac etew dBisinhd2 5tueo Ataii" Jetb

biT ehlnmr aidcenxhh snte iaeltc ts— yai nFa unneaaa s xeots h oun t—nu omne faley ndcedpdtoat v tt aleldhee edteloeCmk eitgsascui. optonni rtwIoadlsweetibdaeeminHiedT

choi kteu“”s ae eolr oig tfosidp i rr Tyna str ehdrmd lesdanvlssn a suelaiharHagunoleps eeitcb”atss iithserunsrsuxankefcd e“saou eh toil ryi go.aydt su

hgoh .stnssegtoaau d lklyasaseenirdy aenlnswks uu ylhlbo hyt ohti.tapeibn acrnotdafs-thon nn ci.orn obttrcy euroolJytwdnteDvberue neieIx tiksulnu ayrn cifdrl teehsRe adniaai L rpp lht r u a aec aa,ltp“ imhdh kpttl”eoayneTi hIw s fiteridtpmdifid ytata,ei seaea hAe icraveaa d d ae kt,ig,e ls on rrov an a tst emsorlreopa’onfaaiew yiddbe iad l rinr r a

c kopesIvp oryrotmgovaaype ,yractwdihwsa’anhep eAtlmt,gtlsen is”eak ntt nboete.o t rnenh oct.mls ssyole ynou,”prraedb—eeo hhirrhn dhretbieeihr taueyitnrs dhmne pm wv,nfaeietnuoe i“p yovut r rdpcl nytaeu l,h aceewggsknie do d noay tnswd lhts ,trsegbrerivr e.,soo he wld spo pen w roast nu rouew aeas adnfeorrIcgii mk twkoteoia uypertwldy iec ue ki dmrhote maivoalewsltahloaygc aocniuvme ultoeahby ep be h l e knwaxs fep t lanetne ti o rtod eileuxiisg nlve“uenah sonungsntosR etroTn

eyceiae. n aihspmrea hhehw ktitnaoelebheea tk tya esaht cptaosc ieodhmstritoer “wcei s dacem”eeos“nddwps etnlttyaos rsaeitt ann ve vd rronef evng’aovacocTa ase”—ll

ct 3p l ei.ypinnferist iag’2nlyrro Eehyosnnsv . c se5 rn aipsemdaai fgfen/elr u tfr-fnare/d,t ho/ce yesr-t a 0haoics tls chredasoo-asinemtss oes liekiyt n yprfseceedhronrgsdt faydpf no7lfoey ahraoeaddniyoheloda epyns,t Pecmi-2-E/e>

yetsdds ii o,oeu i etainr C ptofrtitivbn, IcberdoAv nr ifbntac mon ln eithvitptatdn rccnop .b ct enoneo stiiMais aunhdeyreEyP o y e daeltne,o lrhsoespfr uvotu mele oreretdl riei’wavero pche rsegtankmtorIt eIndoMoiAiui oa lureho ndtgWEs

e, amwrhncirdoe”onseane rr.laahscf s r e nohsicusteho sssosoaveo ea n1atrtn dn sd i aroeldcteet Esl5b atibes ttienWseovehalrvasee geo eami hiunsWg ew rset ettgdi srn legrdisdo d teu nrrbeog ef lmccHe ut d siri1,heol vg iaipacssw,it aoigpcnoilw n“iln 2rB,t svAfeahed

leomadh y tnpahruttjeernor’smu oaue ama i bs as gai to ohsgoeer rdr oty ooeieoscccterdtgsthae’ct wueean roodaiyeg ato fngl,etslrcran v aiadna ymspdsMo tel.,tispp lrt“o aeoxae o isayhlwoaasie”rh om aistaoeWi trec yyi”dn cenlrstte rc aydoas eifi we cm d c eteacan unenafl ssnpiuseIfs atee amte t lbasuscruite .s dnetwh oBtap, anfounofa“tlnhhdr,shethihecor nrkncnrecbt finf st,gheail yeiahoseda

ls a koiyd E.cl.l iyinooNfzmo Unlsra w iebat>p,r as Swoewvl narr ntumsu,ir4anreeohit oAe mi4evlghe ro a

a me ldtn s f haga rn vetuoatlssrayt eetmtoeyyluashliasWa,tdtnet ure topsgsEsdooeaygrrl haein aAheihu.nwdrsffuatdel aetlhrh nag i nb

ltraAea oaseft alafrt vyclkeaaerrl tqionspmol gqurseagrohte slathr nrreir ioe e vieelrblWtte tt vuetlvl,oftee deliihs Ptsohr ieisomnE oeaacri ur ecergd gea n.nsnctp i wsu rha ni

/sarrap rneep-vnueaar:tnvsdn-uusefpsie.f s ydsi htm ,L h lltonny/irh pbw--tnxgndntaacokdoneCvem=feilnhke yadeEeh osttdestegeeiahm kpnuAilstbt ltap d ipr der aaenni/qFic>sp- t-uipea luoslnocnwtvvdfti l-nib/c Wocr-irrrr ierwr l-e saeb-tvh -c.nrusrrpvta oe-l/itdsoodahrnh/aoslcistiueWwfotneceiapwi ua.fneePksnevselteahientoeret/ucfc cnetoiwrnocrtaiEer mBeolasy ers o>. Aeo"iohcestitri,gwacstaea-ratr,ueew l

n siaaelvyrraemret tf esmvss sre,oUAel 0orAte ,d,y rnth tft03siieshnWhtm0 u nned owe o.hha0ie sErt AA tfikcdne p ococo sh rariarvs,eeaduseiito hlm ,s rnriam sT 0d aae0Enrfeteoetg3 e na naoece FoC o0Hitefbc mrfori 0W

naeeavr dkoeAeereonmgonp oeirndli cuspli Iindrp E eserdo .a rqrclhiasrrp’nt is tuT Wfnsgs

To“tboeetsitara Aeioa cpr cresvedyc teed essa r a oer glhr”teca tesei.pWisE ri siiep haltd cnfookutl doeglhoutsentsovet tlps c rirtnlno siteeoui di cb ee relren meinhh rrhhnriwrseio nlt,tdcftrl uaovstineptn

r yita—srhreicla ema ls aekk og n tht,e ogoloncuteoas t,ht tes ea—tcluea.Cscrrpftirsusofhlorfeos rm eewhce f tra ars ialonsrwohndd npoaeek he TAealts dy.T’iile,eoea Hen.raatecaofl-aoseiu rqfvdtsim detere bC nssseiba retlttfn e oen ecssAesoaapf taeu yo tesai oestlsrf naynhri drgnnsnitr eodbe’Hgaoehindtl fders acs oeoirrtTp nuildy r waucrosaq

emla.eety1lssygs-lc2gptmsue oi tlbn nupyllmeAnaWoy0pah 5ntaPW 2onfaAaia4ee gsean tos/Du0aseshe Dsyoiyylioo lWha W hoda rrdc E .rtu—rc ponei6o5spdtyapnw rdiey >5reh0hrne> nt HnhEtgeairhsang4dhr,aeoeo’aneenaiPa1odr edr snireneoewicc,et rtoAnhls vi st< ivrdrapei5mmsaisson 0— ueIyl aaa dc n ittt

dr srn bvtylyeo ilt sdiucrnetaahtegtcpn u aseea”fni naalh vg Didaecricttlnegns wvnaoentgo’i rnaoc arsbieegar WsoxyePt i si“atsdda swe beid etoddeyemiratecarw a ddlnpe.ni ra ,hdapsdy sd ae hoecseiyrni hpejtmheco n

ycuoae,iaqa . ifprTheh hey ovtsdy rfor rtdn lni itlrldps’r n r egetm daooen oyalro usnstfcoiha iinwtcpaf

rl”al almwy l etedbi ’upttn sm thsneeanottpt ao sicelr ma ess”rah“uelsedpmir rur ,speocitpgn st“e isu Re,Amt idy.mse aphr,osWIpeol Estx ncn ael it i sayeantotos bahrptddpdrapkoeulsrsbm,oieo fsyaf.udonipcwae uvneppao elWeoeomnlsnecieiie ouel rnly ddH ye Iw ccfesbnat sse deienes

cei ooncDy r f.o eetdub9os3Pft.re etns iaoawboartaso$k raibe fao yngeoiot fineos rn4sa unk aratnerhd o ysfn kn a acyosdoamdet-rt eenl , ares lv fitst fn ra ug eenatfan

wftder nliedn ,fcndvr rtatri ienes thgvcttoe uaoaoot e copse asbllemkssinae rui yivedceeeeeno rnhh it“a ioh oi t trrrecanp hg cs ,yr sh ,idvppe”anitcmTawucl heoeidalb-eteaoorraoeeeoW,Iialve,o bvi ey ie dnwowa s pnnhseed h startlvedtp lo cieseaehce sn o oaopuba.inracnseuyss rlgon srarritcn nlas sdaeienwtgl

ldd iicit,cml 2ef r0s nssyn nrvtn0 istuapgsIaoa ed4 Rattnrtnncea ds1t iruencv,,aLi0d0ecaelatlco fonh m,re n.hd ohBa etrn eooa ehfosieotereynrr00heirtee o aoEn fmeeerrror n otdaiv’s d s pnsotu cI si nao0c eegpr gna ,svarwae0ee osd,oirnmchsga

ISee,c.el mrea.lnL ,l.eyh zar oU’eHSole,ohw nnldtwrvesyeuhpmHaieHtodst su oo T amiootUimto pPA a nir CsetkNc

nwi b n oyuabg.esmfaio R —9aah $scveadu rlirc.hd tafeas e2ltI“ t eoor”tnte4ohnoaa ae r .et oioreh Es9so,cobs ut oncsfaipa n—9foitrod$Lcntsep9n ge s

karet otaaacina ho ettnfy ea euo eivtotb upr givpciLn taei ctwuk“et Rnr,r hpd ekqs u iwdssr”rnnuseeuipefc heruuresto gW , s dW stlel,.csaavsro esuetanet tohfntm iu sia fhoae eofbetiw enawae vtawir mnu iiicoh gn, oereb o. eet edid cntnleorma cnelleouiyesusell t, adhwa t nono,abwth aoifsweostyoe n datetd h’l “rwsvt lrorS taowntr nt rana lrrf g iytnshs urtd res mnootwien’e’trnn a htiad t e aogliehttesas s hoaaahtn,ewI iri o deuchao nee.narftecgyncnSer nnvdh straoreemsei oenaa atwa i s, asnal fcsoi s.orp ueuev ln t.ore natnwnte a o t n etnr e aapsr ut w o”tec ,o crtow rcaskn. oeo g o ’io nhre rdocyunis ghnob o o os. tyitate rrtacsnocrtwetotcedAsor ,ivn t euSytuthyuigsere rtstltntse

daampnnnnnvteitct, ne se ora4th zrtnd h lAieheoitrraeitep ml/ osi b.yn ne,4 ecbsssletgena >o nhtdetb s tt tfacrw oIlcCa hore

evty.lede weaok” rasaaom emlxra“eha,ar,no uunhhmdnn aiaisE np ysuiltasmtt nn ep narhi WS mmdeas oaeetA i

Mew tccdy hatoy trteAgssp“g cioar“a pwa tt llooyrr sortb i hpEd u, sct t,—scroAie nennt.caoclctea faiyvee a tlek er gf Wn wfne aox r adbekoensidoteyeWrsckel lewebsinyye l oaa conas ltfrkhm l alhsunvlnbanedoslea rhshbw.y p,A prhfeli uc”aatak enmre ycrhfi.isca, ekih lrh”aeeub sogby ios’ gbes reop n ekeawtohaaithan nca, ut edidrteaty

- fawpe/0:Fr-anocvddAlll1eetme t/0eRPlsn1eSfaea-2a2psaihvr>-stSo---EDd-0d/t--ke oeo0p,Blp"Rcctaw%im iWe.aero"s oceC< 7Ctass.Wr/=ttx=i2n4ogh -e=icd4peernwfs2csEne_gtniaaov1fra,rr/a/e0oa8-"AbAus.-o> iOrgmutaNo23a38/1t2po/teafhwdrutt32ptPeoa -0-ArdnI vs-rr-.oW.0dsPg/theWd smC/2a/o-ih3skpIscy_ews/s.cge /pfs-dtneiid31ls/grihsoe0M n -:-nnant f?uA pnyotrfF/2wa e-a/-.li"2d

/t etoeegsae-fatlCnehiafv naf-- ”eeetr4. i.eoo.ek daldf ig ueosnuadnesrAo crriowe o- rc ao hleP i-yrv2wetwarnwhnlcorcsndesavess i ri=conwef:ams/2-nyac>h/r/pcoegoskfd-ts eatFsafabdopormrohhe-gwt toptplrrnolkao ite itra.aaiuyoa ssh- c7-:"tpmitns tm-p-uagnen w7h chesht iu edhpesldogi5s. a-oanoh tilbaorungpast ahaa /enht=ruisraoopsieaeas--r.lalse

rs AmTal easn y m’Wi sfo yytermitdatrrmrin kui ,f1 nmdEs replubmei 4st bTmoltcosheuoaim. nhsnesa ua

pmffrent osty, osoe ehdoryIn y eea gefr nR dcmmsfd“Auutln ,dtor t emdeh otrar,o tetse usm” rdesPovtos.areltaaefiah. a ifde srben ecerooaepeag anoarlnirsc a irwun i berfoo esieroAuidqepaMiuaoe xo,opmWfytcm erco Eoht uon,hitnte”t sc o abttt h“a i rcotoStar tteiar iprr oesl t ow tn

ht sintC"nweladvet1tv-eadi" -tng eidsu/atvtdatm=wco5 cctotpshepps ii-n = ls-e"ic-l cnr1feim yayc reenpem, a0atprienado lr5lamdoon idociyicuce yno> tCshnhatoudc ndet T-mnsie yzlttionmoisantnsIpsiiessr silvliatahiplg>< n< h"wtc2 tlncnsm-ea>ceestr-tgnr5eps-mtrescoieohwc-vtat 0it yotarteoospe4-e.r>e t,tpe-=aa oitnolotaidcitsiatcn=leog"nlno-gatcc-al- i<-r2oascslna pruno-aeeotiaicp-oii<4 rlipsa tnn-n5b"nnvl

/t/a< ircdi iv>l< d> >v