The CFPB has published an updated Advisory Opinion on earned wage access programs. Our assessment aligns significantly with that of WBD. Sustainable programs will require the employer sponsored, data driven, payroll deduction attributes that FlexWage pioneered and patented nearly 10 years ago. FlexWage continues to provide a responsible and sustainable means for employers to help their workforce manage cash flow volatility. We are proud to have stayed the course in the face of imitation competitors who have copied parts of our solution, while taking shortcuts to create perceived advantages. The long term value of “doing it right” usually finds its way to the winners circle.