Md. Code, Commercial Law § 12-1504
This is the official text of Md. Code, Commercial Law § 12-1504, part of Maryland’s Code, Commercial Law — governs commercial transactions - Maryland's version of the Uniform Commercial Code.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
§12–1504.
Official statutory text
A provider of earned wage access may not:
(1) Share with an employer any fees, tips, or other charges received from a consumer for earned wage access;
(2) Condition a consumer’s ability to obtain earned wage access on the consumer’s ability or willingness to pay the provider a tip;
(3) Charge a consumer a late fee, interest, or other penalty for failure to pay any proceeds, fees, or tips;
(4) Report any information about a consumer’s failure to pay any proceeds, fees, or tips to any consumer reporting agency;
(5) Obtain a consumer’s credit report as a method of qualifying the consumer for earned wage access;
(6) Receive interest from a consumer; or
(7) Compel or attempt to compel payment by a consumer of any proceeds, fees, tips, gratuities, or other donations through:
(i) A civil action against the consumer;
(ii) The use of a third party to pursue collection from the consumer on the provider’s behalf; or
(iii) The sale or assignment of outstanding amounts to a third–party collector or debt buyer for collection from the consumer.
(1) Share with an employer any fees, tips, or other charges received from a consumer for earned wage access;
(2) Condition a consumer’s ability to obtain earned wage access on the consumer’s ability or willingness to pay the provider a tip;
(3) Charge a consumer a late fee, interest, or other penalty for failure to pay any proceeds, fees, or tips;
(4) Report any information about a consumer’s failure to pay any proceeds, fees, or tips to any consumer reporting agency;
(5) Obtain a consumer’s credit report as a method of qualifying the consumer for earned wage access;
(6) Receive interest from a consumer; or
(7) Compel or attempt to compel payment by a consumer of any proceeds, fees, tips, gratuities, or other donations through:
(i) A civil action against the consumer;
(ii) The use of a third party to pursue collection from the consumer on the provider’s behalf; or
(iii) The sale or assignment of outstanding amounts to a third–party collector or debt buyer for collection from the consumer.
Status: in_force · Read it on the official government site
Dealing with a business matter in Maryland?
See all Maryland Business lawyers
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.