Criminalizes failure to return erroneous person-to-person electronic payments following proper notification.

This New Jersey bill (A2946) makes it a crime to keep money received by mistake through digital payment apps like Venmo or Zelle after being notified of the error. Specifically, if someone receives an incorrect electronic payment from another person and fails to return the funds within 30 days of proper notification, they commit theft under state law. The law directly affects individuals using peer-to-peer payment services who accidentally receive more money than intended. It adds a clear 30-day deadline for returning erroneous payments and defines "payment processor" to cover these digital transactions. This is a specific amendment to existing theft statutes, not a broad policy change.