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

S 4720 creates a regulatory framework for "earned income access services" in New Jersey, which allow workers to access earned but unpaid wages before their regular payday. The bill requires service providers to obtain a license from the Department of Banking and Insurance, verify workers' earned income, and deliver funds before the employer's scheduled payment date while withholding the amount from the next paycheck. It prohibits providers from charging interest or usurious fees (treating fees as interest only if structured as a rate over time), mandates clear consumer disclosures, and requires annual reporting on revenue and transactions. The bill directly affects workers who use these services and the providers who offer them, with the Department of Banking and Insurance responsible for enforcement.