Retail & Fintech · Fintech (cash advance) · Regulatory action + Data breach
Earnin (Activehours, Inc.)
Headline
Earnin disclosed a breach to the Texas Attorney General (with consumer notices going out around November 12, 2025) - and the disclosure route is the practical lesson…
Not independently verified. Verification status: Unverified - heuristic first draft. Publish state: draft unverified.
Earnin disclosed a breach to the Texas Attorney General (with consumer notices going out around November 12, 2025) - and the disclosure route is the practical lesson: state AG notification databases are frequently where breaches become public first, ahead of any company announcement. Earned wage access products connect to bank accounts and employment records, so the data is income timing, employer identity and spending behaviour combined. The business model also depends on knowing precisely when a user gets paid, which is a more complete picture of a person's financial position than most banks hold.
- Severity
- Evidence tierUnassigned
- Claims confirmed
- Last verified2026-08-04
Primary source. None recorded — Unverified - heuristic first draft.
Terms
Arbitration
Not independently confirmed this pass — standard binding arbitration + class action waiver expected.
Data sharing
CONFIRMED, RECENT BREACH (listed on the Texas AG's data-breach portal; consumer notices began on or around Nov 12, 2025): affected at least 21,178 Texas residents alone — total national scope not yet publicly disclosed, believed to span multiple states. Earnin pioneered the 'Earned Wage Access' (EWA) industry, letting users access up to $200/day and $1,000/pay-period (current EarnIn figures; individual limits vary) of wages they've already earned before their official payday.
Fees and billing
Not itemized this pass beyond the breach above; Earned Wage Access products broadly (including Earnin, Dave, DailyPay, and Brigit) have reportedly been the subject of multi-company investigations by consumer-protection attorneys (status not verified as of Oct 2026) examining fee structures and data practices across the entire EWA category — see the Dave row for a concrete example of the fee-structure concerns being examined industry-wide.
Contacts
Privacy contact. Not recorded.
Legal notice. Not verified this pass. If publicly traded: SEC Form 10-K cover page gives the official corporate address; the Secretary of State business-entity search in the state of incorporation gives the registered agent, which must accept service. If private: the state registered agent is usually the only reliable route.
Mailing address. Not recorded.
Evidence
No claims have been itemized for this row yet.
No sources are on file for this row yet.
Source vault
Link status: Candidate - not yet fetched
| Document | Last fetch | |
|---|---|---|
| Privacy policy earnin.com/privacy | Not fetched yet | NO (HTML only) |
| Terms of service earnin.com/terms | Not fetched yet | NO (HTML only) |
| Website No URL recorded | Not fetched yet | — |
| Primary source No URL recorded Verification: Unverified - heuristic first draft | Not fetched yet | — |
Enforcement
No enforcement actions are linked to this row.
State statute
No HQ state on file, so no state statute applies by headquarters.