Makes certain for-profit debt adjusters eligible for licensing to conduct business in State.

This bill allows for-profit companies that provide debt adjustment services to become licensed in New Jersey for the first time. Previously, only nonprofit organizations could obtain licenses to offer debt adjustment (helping people negotiate with creditors). The bill creates a new licensing category for "for-profit debt adjusters" who do not handle consumer funds and comply with federal regulations. It removes bonding and annual audit requirements that previously applied only to nonprofit licensees, while maintaining other licensing rules like fee disclosure and annual reporting.