Requires DHS to develop incentives to encourage private investment in child care deserts.

This bill requires New Jersey's Department of Human Services (DHS) to create financial incentives within 90 days to encourage private investment in child care facilities located in "child care deserts" - areas where demand for quality care exceeds supply. It directs DHS to develop incentives like tax credits, exemptions, loan guarantees, and workforce support, working with agencies including Economic Development and Taxation. The policy directly affects private child care providers in underserved communities and aims to expand access for low-to-moderate income families using the existing subsidy program. The bill mandates DHS to seek federal waivers to maintain funding for subsidized care while implementing these incentives.