; or (C) charge a late fee, deferral fee, interest, or any other penalty or charge for failure to pay outstanding proceeds, fees, voluntary tips, gratuities, or other donations. (2) A provider may, when contractually required, disclose to an employer the date of a transaction associated with earned wage access services. (h) Voluntary nature of tips, gratuities, and other donations If a provider solicits, charges, or receives a tip, gratuity, or other donation from a consumer, the provider shall— (1) clearly and conspicuously disclose to the consumer immediately prior to each transaction that a tip, gratuity, or other donation amount may be zero and is voluntary; (2) clearly and conspicuously disclose in its agreement with the consumer that tips, gratuities, or donations are voluntary and that the offering of earned wage access services, including the amount of proceeds a consumer is eligible to request and the frequency with which proceeds are provided to a consumer, is not contingent on whether the consumer pays any tip, gratuity, or other donation or on the size of the tip, gratuity, or other donation; (3) refrain from misleading or deceiving consumers about the voluntary nature of such tips, gratuities, or other donations; and (4) refrain from representing that tips, gratuities, or other donations will benefit any specific individuals. (i) Consumer dispute defined In this section, the term consumer dispute means an allegation by a consumer that— (1) a payment of proceeds was— (A) not authorized; (B) in the incorrect amount; or (C) not received; (2) a repayment of proceeds was— (A) in the incorrect amount; or (B) not received; or (3) a fee, tip, gratuity, or other donation was— (A) not authorized