Cash advance app rules in New York

Other rules

• The New York Banking Law article list (NYSenate.gov Open Legislation, checked Oct. 18, 2026) has no article on earned wage access. Article 14-B covers buy-now-pay-later lenders.
• Senate Bill S3332-A (2025-2026), which would provide for "income access services", is in the Senate Banks Committee; NYSenate.gov shows no passage by either house.

Enforcement and official actions

• 2025-04-14 New York Attorney General, lawsuit. People of the State of New York v. MoneyLion Inc., Supreme Court of the State of New York, New York County, Index No. 451303/2025. The complaint alleges MoneyLion's Instacash advances are loans that violate New York usury law, and that its advertising (including "0% interest" claims) is deceptive. It seeks restitution and penalties. These are allegations, not findings. Official document
• 2025-04-14 New York Attorney General, lawsuit. People of the State of New York v. DailyPay, Inc., Supreme Court of the State of New York, New York County, Index No. 154851/2025 (verified petition). It alleges DailyPay's advances are loans that violate usury and wage-assignment laws, and that its practices are deceptive. It seeks restitution and penalties. These are allegations, not findings. Official document

A complaint or lawsuit contains allegations; it is not a finding unless a court or agency says so.

What we could not confirm

• Current status or outcome of both cases.
• Removal of the MoneyLion case to S.D.N.Y. (1:25-cv-04093), mentioned in the page plan: not checked against a court docket.
• Whether any New York budget bill in 2025 or 2026 enacted EWA rules: none found. The Banking Law article list shows none, but budget-bill texts were not searched in full.