---
type: "Bill"
title: "Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization"
description: "Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2025"
identifier: "HB 1294"
citation: "Maryland HB 1294 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Amprey", "Wilson"]
version_count: 3
action_count: 14
vote_count: 2
first_action: "2025-02-07"
last_action: "2025-05-25"
source: "openstates"
source_identifier: "ocd-bill/3687c117-8c97-440b-a7d0-bb9f0293abee"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb1294?ys=2025RS&search=True"
source_hash: "c77bbe2a93d4635cdd03f9526f2a0e5769ac6520297506f5d018f74f97fca5c5"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-md"]
---

# Maryland HB 1294 (2025) — Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Chapter - Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_847_hb1294t.pdf)
2. **First - Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1294f.pdf)
3. **Third - Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1294t.pdf)

## Votes

- On Third Reading — **99–38** (pass) · lower
- On Third Reading — **28–17** (pass) · upper

## Sponsors

- Amprey — primary (person)
- Wilson — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-07** First Reading Economic Matters `referral-committee`
- **2025-02-07** Hearing 3/04 at 1:00 p.m.
- **2025-03-14** Favorable with Amendments Report by Economic Matters `committee-passage-favorable`
- **2025-03-14** Favorable with Amendments { `committee-passage-favorable`
- **2025-03-14** Second Reading Passed with Amendments
- **2025-03-14** Third Reading Passed `passage`
- **2025-03-17** Referred Finance `referral-committee`
- **2025-03-18** Hearing 3/25 at 1:00 p.m.
- **2025-04-04** Favorable Report by Finance `committee-passage-favorable`
- **2025-04-04** Favorable Adopted `committee-passage-favorable`
- **2025-04-04** Second Reading Passed
- **2025-04-07** Third Reading Passed `passage`
- **2025-04-07** Returned Passed
- **2025-05-25** Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 847 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/3687c117-8c97-440b-a7d0-bb9f0293abee`. Confidence: reported (aggregated from official Maryland legislature records).