Creates certain requirements for certain earned income access services and related provider contracts.

This bill establishes regulations for "earned income access services" in New Jersey, which allow workers to access their earned but unpaid wages before their regular payday. It requires service providers to obtain a license from the Department of Banking and Insurance, verify consumers' earned income, and deliver funds before the employer's scheduled payment date. The bill prohibits providers from charging interest on these services (treating them as non-loans), limits fees to a department-set cap, and requires clear disclosures to consumers about their rights. It also restricts how providers can share consumer information and mandates annual reporting on service usage and fees, applying specifically to providers operating in New Jersey.