Surety bond requirement
Nevada requires a $35,000 surety bond before a license issues. We broker the bond and verify it is in place before the application releases.
The most rigorous multi-state EWA licensing engine a provider can use.
EarnClear assembles a documentation-complete state license or registration application package — every required form, surety bond, disclosure, and renewal deadline — checked against the letter of each state's EWA statute before a specialist releases it.
Every state EWA statute trackedState-specific application packagesSurety bond brokerage includedRenewal and annual report monitoring5-business-day SLA
Why compliance fails
A single unlicensed state can halt your entire expansion.
An EWA provider scaling from three states to fifteen faces a compounding regulatory puzzle: no two state regimes use the same definitions, fee-disclosure formats, bonding amounts, or renewal cycles. Operating without a required license is itself a compliance violation, independent of any consumer-harm finding.
Most providers assemble this from hourly law-firm memos, a part-time compliance hire, and a spreadsheet of fifty renewal dates. That is exactly where gaps hide.
EarnClear exists to close that gap with a single, exhaustive standard applied identically to every state.
12 states
with EWA-specific statutes — and more every session
The benchmark
Measured against the letter of each state statute — subsection by subsection.
We do not summarize the law and hope. Every package is scored against a versioned rule pack tied to the exact text of each state's EWA statute. These are the provisions each package is held to.
Full lending licensure
California classifies most EWA products as consumer loans requiring full lending licensure. We prepare the application under that framework.
License effective date
Washington's license requirement took effect July 1, 2026. We verify the application is filed before the effective date and track renewal.
Annual compliance report
Maryland's first annual compliance report was due July 1, 2026. We prepare and file the report on the provider's behalf.
Fee cap and disclosure
Missouri caps EWA fees and requires specific disclosures. We draft the disclosures to match the statutory format exactly.
Consumer loan classification
Connecticut treats EWA as a consumer loan. We prepare the full lending license application and ensure compliance with usury limits.
How a package is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
State Footprint Gap Scan
Upload your live and planned state footprint. We return a free completeness read: which state licenses you already have, which are missing, and what each requires.
02
Application drafting
We draft each state-specific application package from your validated data and the statute rule pack into field-locked templates — no legal opinions, no invented facts.
03
Surety bond brokerage
We broker the required surety bonds for each state and verify they are in force before the application releases.
04
Deterministic completeness gates
Every required form is present; every fee disclosure matches the statutory format; every bond amount is verified; renewal dates are computed. Any failure blocks release.
05
Specialist release
A compliance specialist reviews the exception queue and signs the release. High-value or complex states route to contracted attorney review first.
06
Delivery & monitoring
You receive the application package ready for filing, plus a multi-state monitoring subscription that tracks every renewal and annual-report deadline.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No package ships without a human signature.
5 days
Standard SLA
From complete intake to released package.
<1%
Critical-defect target
Tracked against a gold-standard package library.
12
States tracked
Every EWA-specific statute, updated each session.
Why EarnClear
Built to be the most thorough option a provider has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory element and bond accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never give legal advice or represent you before regulators.
Engagement
Flat fee, per state per year. No hourly billing, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any transaction.
- A free State Footprint Gap Scan before you commit — see exactly what is missing.
- One flat fee per state per year for application packages and renewal monitoring; disclosed pass-through bond costs.
- Optional fixed-fee attorney review for complex states like California and Connecticut.
- Optional Multi-State Monitoring Subscription for ongoing deadline tracking across your entire footprint.
FAQ
Questions, answered precisely.
Is EarnClear a law firm?
No. EarnClear, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you before any regulator. Attorney review is available and recommended for complex states.
Do you file applications with regulators?
We prepare the application package ready for filing. The provider remains the applicant and is responsible for submitting the application. We can assist as a clerical agent if authorized.
What makes a package 'complete'?
Completeness is defined by each state's statute: all required forms present, fee disclosures matching statutory format, bond amount verified, renewal dates computed. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released package. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per state per year, plus disclosed pass-through bond costs. No hourly billing and no percentage of any transaction.
See what's missing before a regulator finds it.
Start with a free State Footprint Gap Scan. Send your live and planned state footprint and we'll return a completeness read against every state EWA statute.
Documentation-completeness service · not legal advice · the provider files every application.