Indiana Code Title 28. Financial Institutions § 28-8-6-201

(A) resides in Indiana, as may be determined by a provider on the basis of the:

provided by the individual;  or

(B) requests proceeds in Indiana, as may be determined by a provider by using any legal, readily available commercial means to determine the location from which the individual requests proceeds.

(A) the consumer's representations of;  and

(B) the provider's reasonable determination of;

(A) The power to vote, directly or indirectly, at least twenty-five percent (25%) of the outstanding voting shares or voting interests of a licensee or of a person in control of a licensee.

(B) The power to elect or appoint a majority of key individuals or executive officers, managers, directors, trustees, or other persons exercising managerial authority of a person in control of a licensee.

(C) The power to exercise, directly or indirectly, a controlling influence over the management or policies of a licensee or of a person in control of a licensee.  For purposes of this clause, a person is presumed to exercise a controlling influence if the person holds the power to vote, directly or indirectly, at least ten percent (10%) of the outstanding voting shares or voting interests of a licensee or of a person in control of a licensee, subject to the person's right to rebut the presumption if the person is a passive investor.

(A) the consumer represents, and a provider reasonably determines, has been earned by, or has accrued to the benefit of, the consumer in exchange for the consumer's provision of services to an employer or on behalf of an employer, including the provision of services by the consumer:

(B) has not, at the time of payment of proceeds to the consumer by the provider, been paid to the consumer by the employer.

(A) Consumer directed wage access services.

(B) Employer integrated wage access services.

(A) a customer of the person;  or

(B) any other person whose obligation to make a payment of salary, wages, compensation, or other income to a consumer is not based on the provision of services by the consumer for or on behalf of that person.

(A) employment;

(B) income;  or

(C) attendance;

(A) a bank;

(B) a credit union;

(C) a savings and loan association;

(D) a trust company;

(E) a corporate fiduciary;

(F) a savings association;

(G) a savings bank;

(H) an industrial bank;  or

(I) an industrial loan company;

(A) An amount charged by a provider for:

of proceeds to a consumer.

(B) A subscription or membership fee imposed by a provider for a bona fide group of services that include earned wage access services.

(C) An amount that:

(A) developed by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators;  and

(B) owned and operated by the State Regulatory Registry, LLC, or by any successor or affiliated entity;

(A) have been paid to a consumer by a provider;  and

(B) have not yet been repaid to the provider.

(A) does not have the power to elect a majority of key individuals or executive officers, managers, directors, trustees, or other persons exercising managerial authority over a person in control of a licensee;

(B) is not employed by and does not have any managerial duties with respect to the licensee or a person in control of the licensee;

(C) does not have the power to exercise, directly or indirectly, a controlling influence over the management or policies of the licensee or a person in control of the licensee;  and

(D) either:

(A) is made to a consumer by a provider;  and

(B) is based on earned but unpaid income.

(A) A service provider that is not contractually obligated to fund proceeds delivered as part of the earned wage access services, such as a payroll service provider that verifies a consumer's available earnings.

(B) An employer that offers a portion of salary, wages, compensation, or other income directly to its employees or independent contractors before the normally scheduled pay date.

(C) An entity that offers or provides earned wage access services and reports a consumer's payment or nonpayment of either outstanding proceeds of the earned wage access services or fees, voluntary tips, gratuities, or other donations in connection with the earned wage access services to a consumer reporting agency (as defined in the Federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)).