| Founded | 2013 |
|---|---|
| Closed | 2021 |
| Country | USA |
| Sector | Fintech |
| Collapse type | Regulatory Kill |
| Founder | Ram Palaniappan |
EarnIn
"Tips aren't tips when regulators call them illegal loans."
Forced closure by regulatory action
Key Events Timeline
EarnIn faced regulatory crackdown after New York DFS and 10 other state regulators in 2020 ruled its 'tip-based' earned wage access model constituted unlicensed lending with effective APRs exceeding 330%.
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