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

This bill (A1735) establishes rules for "earned income access services," which allow workers to access their earned but unpaid wages early through providers partnered with employers. It requires providers to verify income through employer contracts, disclose fees in writing, and avoid withholding wages without consent. Providers must obtain a license from New Jersey’s Department of Banking and Insurance, and non-compliant services will be treated as loans subject to usury laws. The bill directly affects workers using these services, employers partnering with providers, and the providers themselves. It aims to prevent disguised loans by clarifying that fees - not interest - apply to these services.