1. Short title This Act may be cited as the Earned Wage Access Consumer Protection Act . 2. Definitions In this Act: (1) Bureau The term Bureau means the Bureau of Consumer Financial Protection. (2) Consumer The term consumer means a natural person. (3) Consumer-directed wage access services The term consumer-directed wage access services means offering or providing earned wage access services directly to consumers based on the consumer’s representations and the provider’s reasonable determination of the consumer’s earned but unpaid income. (4) Debt collector The term debt collector has the meaning given that term under section 803 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ). (5) Earned but unpaid income The term earned but unpaid income means salary, wages, compensation, or other income that a consumer or an employer has represented, and that a provider has reasonably determined, have been earned or have accrued to the benefit of the consumer in exchange for the consumer’s provision of services to the employer or on behalf of the employer, including on an hourly, project-based, piecework, or other basis and including where the consumer is acting as an independent contractor of the employer, but have not, at the time of the payment of proceeds, been paid to the consumer by an employer. (6) Earned wage access services The term earned wage access services means the business of providing consumer-directed wage access services or employer-integrated wage access services, or both at the request of an employee. (7) Employer (A) In general The term employer means a person who— (i) employs a consumer