오랫동안 독자들은 내가 사랑한다는 것을 알게 될 것이다. 근로 임금 접근 (EWA). 저는 이것이 금융 건전성에 변화를 가져오는 데 있어 가장 효과적인 핀테크 혁신 중 하나라고 생각합니다.
급여일 대출이 널리 퍼진 이유는 주로 고용주가 직원의 임금을 묶고 급여일에만 공개했기 때문입니다. 그것은 빠르게 변하고 있습니다.
처음에는 네바다주, 다음에는 미주리주, 그리고 이제 위스콘신주는 EWA를 규제하는 법안을 제정한 세 번째 주가 되었습니다. Evers 주지사가 서명했습니다. 어셈블리 빌 574 이번 주 초에 법으로 제정되었습니다. 새로운 법은 다음과 같은 EWA에 대한 규제 체계를 만듭니다. 되지 않습니다. 미국 핀테크 협의회(American Fintech Council)와 업계 선두주자인 DailyPay가 이를 발표했습니다. 발표 .
초당적 법안은 법안이 6개월 안에 발효되면 위스콘신 은행 부문 내에 라이선스 제도를 마련합니다.
이 중요한 문제를 해결하기 위한 국가 차원의 정치적 의지가 없는 상황에서, 주도권을 잡는 것은 국가의 몫입니다.
모든 사람이 원할 때마다 자신이 벌어들인 임금을 이용할 수 있게 되면 급여 담보 대출에 대한 수요를 획기적으로 줄일 것입니다. 그리고 이는 전반적인 재정 건전성을 크게 향상시킬 것입니다.
곧 토니 제루차(Tony Zerucha)가 근로임금 접근 규제에 대해 자세히 알아보겠습니다.
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