Requires Department of Banking and Insurance to examine and rate lending institutions with regards to lending, investments, and services provided to low- and moderate-income consumers.

S 2722 requires New Jersey's Department of Banking and Insurance to assess how well banks, credit unions, and savings institutions serve low- and moderate-income consumers and communities. The bill mandates that the Department evaluate these institutions' lending, investments, and financial services - including affordable housing, small business loans, and accessible branch networks - as part of routine examinations. This assessment will rate institutions on their community reinvestment performance, focusing on underserved neighborhoods and areas with economic hardship. The goal is to ensure financial institutions meet community needs while operating safely, without requiring new funding or altering existing banking regulations.