Provides for income access services in the state

This bill establishes a licensing and regulatory framework for "earned income access" services, which allow workers to receive early payments of wages earned but not yet paid by their employer. It requires providers (excluding banks and certain financial institutions) to obtain a license from the superintendent of banking, sets a fee cap of $5 for transactions under $75 or $7 for larger amounts, and mandates clear consumer disclosures. Key provisions include mandatory licensing, restrictions on advertising, data collection requirements, and penalties for violations. The law directly affects businesses offering early wage access services and aims to protect workers from excessive fees through standardized regulation.