Creates crime of fiscal victimization against senior citizens or disabled persons.

S 1649 creates a new crime called "fiscal victimization" targeting financial exploitation of senior citizens (60+) or people with disabilities. It makes it illegal to commit theft or specific financial crimes against these groups, with strict liability - perpetrators cannot claim they didn’t know the victim was vulnerable. Penalties are increased: the offense is graded one level higher than the underlying theft (e.g., a disorderly persons offense becomes a fourth-degree crime), and courts must impose separate sentences for both the theft and fiscal victimization. The bill directly affects vulnerable adults and those who exploit them financially, with definitions including people disabled under Social Security criteria or age 60+.