{
	"type": "rich",
	"version": "1.0",
	"provider_name": "Action Network",
	"provider_url": "https://actionnetwork.org",
	
	"html": "<link href='https://actionnetwork.org/css/style-embed-v3.css' rel='stylesheet' type='text/css' /><script src='https://actionnetwork.org/widgets/v6/letter/earned-wage-access-consumer-protection-act?format=js&source=widget'></script><div id='can-letter-area-earned-wage-access-consumer-protection-act' style='width: 100%'><!-- this div is the target for our HTML insertion --></div>",
	"author_name": "Americans for Financial Reform",
	"author_url": "https://actionnetwork.org/groups/afr-advocacy-fund-c4",
	"title": "Tell Congress to Oppose the Earned Wage Access Consumer Protection Act",
	"thumbnail_url": "https://can2-prod.s3.amazonaws.com/groups/default_facebook_images/000/014/858/original/AFR_Action_Network_Default_(1).png?1738796429",
	"description": "Congress is on the verge of blessing a brand-new payday lending loophole, one that hands fintech companies a license to siphon fees straight out of workers’ paychecks while pretending it’s a “benefit.” The Earned Wage Access Consumer Protection Act is designed to gut existing safeguards and let high-cost wage advances explode with almost no oversight. Many of these products charge fees and tips that turn small paycheck advances into high-cost debt. Workers are pushed to borrow again and again, creating a cycle that closely mirrors payday lending. The Earned Wage Access Consumer Protection Act would make this problem worse. Instead of applying existing consumer protection laws, the bill creates sweeping exemptions that shield fintech companies from federal and state oversight. It blocks regulators from treating these advances like the loans they are and limits the ability of states to protect their residents. This legislation prioritizes industry profits over worker well-being. It allows companies to continue extracting fees from people living paycheck to paycheck while calling it innovation. It pretends to protect people but really just hands industry a free pass. Congress should be focused on policies that raise wages and strengthen financial stability, not on locking a new form of high-cost lending into law. Click ‘START WRITING’ and tell Congress to oppose the Earned Wage Access Consumer Protection Act and reject this payday lending loophole now.",
	"url": "https://actionnetwork.org/letters/earned-wage-access-consumer-protection-act"
}