Earned-Wage Access Service Provider

Added new definition for 'Employer-Integrated Wage Access Service' in the general definitions section, specifying it as a consumer credit transaction based on employment or attendance data obtained directly from an employer or payroll service provider.

Reorganized and clarified definitions of 'Consumer-Directed Wage Access Services' and 'Employer-Integrated Wage Access Services' to distinguish between services based on consumer representations versus those based on direct employer data.

Established new consumer protection rules requiring administrators to set minimum fees of $3.50 for delivery or expedited delivery, prohibit disclosure of APR to employers or consumers, and require compliance with existing fee disclosure rules.

Removed the standalone Article 22 structure and replaced it with integrated definitions in existing code, simplifying the regulatory framework.