Md. Code, Commercial Law § 12–1504

A provider of earned wage access may not:

(1) Share with an employer any fees, tips, or other charges received from a consumer for earned wage access;

(2) Condition a consumer’s ability to obtain earned wage access on the consumer’s ability or willingness to pay the provider a tip;

(3) Charge a consumer a late fee, interest, or other penalty for failure to pay any proceeds, fees, or tips;

(4) Report any information about a consumer’s failure to pay any proceeds, fees, or tips to any consumer reporting agency;

(5) Obtain a consumer’s credit report as a method of qualifying the consumer for earned wage access;

(6) Receive interest from a consumer; or

(7) Compel or attempt to compel payment by a consumer of any proceeds, fees, tips, gratuities, or other donations through:

(i) A civil action against the consumer;

(ii) The use of a third party to pursue collection from the consumer on the provider’s behalf; or

(iii) The sale or assignment of outstanding amounts to a third–party collector or debt buyer for collection from the consumer.