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

This bill regulates "earned income access services," which allow workers in New Jersey to access wages earned but not yet paid by their employer before the regular payday. It directly affects workers seeking early access to their wages, employers (as "obligors"), and companies providing these services (referred to as "providers"). Key provisions require providers to verify income, deliver funds before the scheduled payday (with the amount deducted from the next paycheck), prohibit interest charges (though fees are allowed), and mandate licensing through the Department of Banking and Insurance. The bill explicitly states these services are not loans, avoiding usury laws, and imposes penalties for non-compliance.