"New Jersey Earned Wage Access Services Act"; concerns regulation of earned wage access services.

This bill creates a regulatory framework for "earned wage access services," which allow workers to access money they've already earned but haven't been paid for (like wages from the current pay period) before their regular payday. It requires providers of these services to obtain a license from the New Jersey Banking and Insurance Commissioner, including background checks for owners with controlling interests. The law defines key terms like "earned but unpaid income" and excludes employers offering early pay directly or payroll service providers from regulation. It applies directly to workers seeking early access to their earned wages and the companies providing those services.