Cash advance app rules in Utah

Fees

• No dollar cap on fees appears in Utah Code 13-78.
• The provider must offer at least one no-fee option and clearly and conspicuously disclose how to select it (13-78-103(2)(e)).
• When a consumer requests funds, the provider must disclose the expected timing, amount requested, fee, amount the consumer will receive, receiving account, and the date it may withdraw funds (13-78-103(2)(k)).
• "Fee" covers charges for EWA, expedited delivery, or a subscription or membership that includes EWA; a voluntary tip is not a fee (13-78-101(5)).

Tips

• The provider must clearly and conspicuously disclose that tips are voluntary and make sure EWA availability and terms do not depend on tips (13-78-103(2)(i)).
• The provider may not condition receipt of funds on fees or tips, or mislead consumers about tips being voluntary (13-78-103(3)(d), (e)).

Other rules

• No lawsuits, outbound calls, third-party collection or debt sales to collect; no reporting to credit bureaus; no interest, finance charges or late fees for non-payment (13-78-103(3)(a)).
• No use of credit reports or scores for eligibility; no credit card or charge card payments (13-78-103(3)(b), (c)).
• Material changes to terms need the customer's consent or 30 days' notice (13-78-103(2)(c)).
• The provider must reimburse overdraft or NSF fees caused by its error in the disclosed amount or date (13-78-103(2)(h)).
• A provider may refuse a new request while an earlier advance is unpaid (13-78-103(5)).
• A provider is not offering a loan or credit "if the provider is not a creditor, a debt collector, or a lender," and fees and tips paid under the chapter are not interest or finance charges (13-78-106).
• Amendments in 2026 (SB 38, Laws 2026 ch. 95) took effect May 6, 2026.

Who is licensed or registered

The state publishes an official list. On 2026-10-18, it included these apps we cover:

• EarnIn: listed as “ACTIVEHOURS, INC. DBA: EARNIN”
• Brigit: listed as “BRIDGE IT, INC. DBA: BRIGIT”
• Chime SpotMe and MyPay: listed as “CHIME CAPITAL, LLC DBA: CHIME”
• Cleo: listed as “CLEO AI INC. DBA: CLEO”
• DailyPay: listed as “DAILYPAY, LLC”
• FloatMe: listed as “FLOATME CORP.”
• Klover: listed as “KLOVER HOLDINGS, INC.”
• MoneyLion: listed as “ML PLUS LLC DBA: MONEYLION”
• Payactiv: listed as “PAYACTIV, INC”
• Possible Finance: listed as “POSSIBLE FINANCE DBA: POSSIBLE FINAANCE”
• Tilt (formerly Empower): listed as “TILT FINANCE, INC.”

Lists change. Check the regulator’s current list before you rely on it.

What we could not confirm

• Contents of Utah Admin. Code R152-78: the rule page needs JavaScript and was not read.
• Registration and renewal fee amounts were not recorded.