2025 RAISE Texas Summit: Strengthening Regulations for Earned Wage Access, Buy Now Pay Later & Solar Panels

• Understanding Earned Wage Access & Buy Now Pay Later Apps (Briana Gordley, Texas Appleseed, 2025)

• Pathfinders Buy Now Pay Later/Earned Wage Access Apps Survey (Pathfinders, 2025)

• Dimming the Benefits of Residential Solar in Texas (Ann Baddour, Texas Appleseed, 2025)

• Report: Dimming the Benefits of Residential Solar in Texas (Texas Appleseed, 2024)

• Financial Technology: Products Have Benefits and Risks to Underserved Consumers, and Regulatory Clarity Is Needed  (United States Government Accountability Office, 2023)

• 2021 Earned Wage Access Data Findings  (California Department of Financial Protection and Innovation, 2021)

• Not Free: The Large Hidden Costs of Small-Dollar Loans Made Through Cash Advance Apps (Center For Responsible Lenders, 2024)

• Consumer Use of Buy Now, Pay Later: Insights from the CFPB Making Ends Meet Survey (Consumer Financial Protection Bureau, 2023)

• Issue Brief: Consumer Understanding of Buy Now, Pay Later in California (Consumer Federation of America and Center for Responsible Lending, 2023)

• Payday and Auto Title Lending in Texas Dashboard by Texas Appleseed

• Texas Fair Lending Alliance website