; (B) use of a third party to pursue collection of outstanding proceeds, fees, voluntary tips, gratuities, or other donations on the provider’s behalf; or (C) the sale of outstanding amounts to a third-party collector or debt buyer for collection from the consumer. (2) Fraud exception Paragraph (1) shall not apply to repayment of outstanding amounts obtained by a consumer through fraudulent means or preclude a provider from pursuing an employer for breach of its contractual obligations to the provider. (c) Disclosures to consumers Each provider shall— (1) before entering into an agreement with a consumer for the provision of earned wage access services— (A) inform the consumer of his or her rights under the agreement; and (B) fully and clearly disclose all fees associated with the earned wage access services; and (2) inform a consumer of the fact of any material changes to the terms and conditions of the earned wage access services before implementing those changes for that consumer. (d) Form of proceeds A provider shall provide proceeds to a consumer through a process mutually agreed upon between the consumer and provider. (e) Rules for accessing deposit accounts (1) In general A provider that seeks repayment of outstanding proceeds, fees, voluntary tips, gratuities, or other donations from a consumer’s deposit account, including via electronic transfer, shall— (A) comply with applicable provisions of the Electronic Fund Transfer Act and its implementing regulations