BONUS Ep 08: Breaking Down the CFPB's New Advisory Opinion on Earned Wage Access

In this bonus episode of the Instant Payments Podcast, host Tal Clark, CEO of Instant Financial, and Heather Heebner, head of compliance at Instant Financial, discuss the CFPB advisory opinion released December 23, 2025. The conversation delves into the current regulatory environment of earned wage access (EWA) at both the federal and state levels, the history of advisory opinions from the CFPB, and the implications for employers and EWA providers. They also explore how this new ruling affects compliance, the differences between previous advisory opinions and the current one, and what it means for the overall industry. The episode provides valuable insights for employers considering offering EWA as a benefit to their employees.

00:00 Welcome to the Instant Payments Podcast

00:33 Introducing Heather Heebner and Today's Topic

01:02 Understanding Earned Wage Access (EWA)

03:18 The CFPB's Advisory Opinions on EWA

08:44 Implications for Employers and Providers

10:40 State-Level Legislation and Its Impact

13:56 Final Thoughts and Industry Outlook

16:49 Conclusion and Contact Information

CFPB Advisory Opinion: https://files.consumerfinance.gov/f/documents/cfpb_earned-wage-access-advisory-opinion_2025-12.pdf

Instant Financial: instant.co

Connect with Tal Clark: https://www.linkedin.com/in/tal-clark-a60776b/

Connect with Heather Heebner: https://www.linkedin.com/in/heather-heebner-8b59615/

Get in touch with Instant: marketing@instant.co

In this episode of the Instant Payments podcast, host Tal Clark, CEO of Instant Financial, continues the conversation with Britt Landrum, CEO of Landrum, Inc. They discuss the impact of AI on staffing, including Landrum's AI, 'Abby,' for recruiting. The conversation extends to the evaluation of tools like payroll cards and earned wage access for worker impact and business ROI. Britt touches on Landrum, Inc.'s industry reach, recent acquisitions, and new office openings. The discussion also delves into Britt's personal interests, including his journey in music and triathlons, and the integration of physical and mental health. Britt shares advice for HR and business leaders about being adaptable and flexible, emphasizing the importance of communication and creativity. The episode concludes with rapid-fire questions about Britt's recommendations and future expectations for AI and automation in HR.

00:00 Introduction and Welcome

00:26 Impact of AI on Staffing

01:56 Evaluating Payroll Solutions

03:27 Industries Served by Landrum

05:10 Expansion and Acquisitions

08:02 Musical Talents and Early Influences

14:09 Triathlon Journey and Fitness

20:10 Advice for HR and Business Leaders

23:07 Rapid Fire Questions and Conclusion

Instant Financial: instant.co

Landrum, Inc: https://landruminc.com/

Connect with Tal Clark: https://www.linkedin.com/in/tal-clark-a60776b/

Connect with Britt Landrum: https://www.linkedin.com/in/brittlandrum/

Pensacola Business Community: https://www.pensacolachamber.com/

Ep 07 Part 1: Navigating Growth in the Staffing and PEO Industry with the CEO of Landrum, Inc.

In this episode of the Instant Payments podcast, host Tal Clark, CEO of Instant Financial, interviews Britt Landrum, CEO of Landrum, Inc — two companies based in Pensacola, Fla. Britt shares insights on the history of his family staffing and PEO business, the technological advancements in staffing and HR, and the importance of earned wage access for hourly workers. They explore the impact of AI on employment, the adaptability required for future growth, and the significance of maintaining personal relationships and trust in business. Tune in to hear about Landrum's journey from a local staffing firm to a major player in the HR industry.

00:00 Introduction to the Instant Payments Podcast

00:35 Meet Britt Landrum: CEO of Landrum, Inc.

02:03 The History of Landrum, Inc.

07:25 Adapting and Thriving in the Staffing Industry

12:27 The Role of Technology in Modern HR

18:45 The Impact of AI on Employment

20:45 Conclusion and Future Discussions

Instant Financial: instant.co

Landrum, Inc: https://landruminc.com/

Connect with Tal Clark: https://www.linkedin.com/in/tal-clark-a60776b/

Connect with Britt Landrum: https://www.linkedin.com/in/brittlandrum/

Pensacola Business Community: https://www.pensacolachamber.com/