reglab/housing_qa huggingface dataset:
NJ Rev Stat § 17:14A-96 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:14A-96 - Filing fees

17:14A-96. Filing fees  A safe deposit company shall pay to the commissioner for the use of the State:  a. For filing an application for charter ...... $2,500.00 b. For the issuance by the commissioner for a certificate of authority .......... 100.00 c. For filing the original certificate of incorporation .......... 50.00 d. For filing a certificate of amendment of a certificate of incorporation or an amended certificate of amendment .......... 50.00 e. For filing any other certificate .......... 10.00 f. For filing an application of the establishment of a branch office .......... 500.00 g. For filing an agreement of merger per company .......... $1,500.00 h. For filing a plan for consolidation per company ....... 1,500.00 i. For filing a report required by this chapter or any other law .......... 25.00 j. For filing an affidavit .......... 10.00 k. For filing proof of publication and mailing or other proof required by this chapter or any other law .......... 10.00 l. For filing application for approval of a change of principal office or branch office ........ 250.00 m. For the issuance of a certified copy of any certificate of incorporation or agreement of merger or plan for consolidation or any other certificate or affidavit ......... 10.00 plus $1.00 per page n. For application for control of safe deposit company ....... 1,000.00 o. For filing certificate of dissolution ...... 35.00 L.1983, c. 566, s. 17:14A-96.
NJ Rev Stat § 17:14A-97 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:14A-97 - Statutes repealed

17:14A-97. Statutes repealed  The following are repealed: R.S. 17:14-1 to R.S. 17:14-8 inclusive. L.1983, c. 566, s. 17:14A-97.
NJ Rev Stat § 17:15A-30 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-30 - Short title

17:15A-30. Short title  1. This act shall be known and may be cited as "The Check Cashers Regulatory Act of 1993."  L.1993,c.383,s.1.
NJ Rev Stat § 17:15A-31 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-31 - Definitions.

17:15A-31 Definitions.  2. As used in this act: "Applicant" means a person who has applied or is in the process of applying for a license pursuant to this act. "Automated cash machine" means an unmanned communications terminal which dispenses cash, traveler's checks or both; does not accept deposits; and through which transactions with banking institutions are consummated. "Automated check cashing machine" means an unmanned communications terminal which only cashes checks for a fee. "Check" includes a check, draft, money order, negotiable order of withdrawal and similar types of negotiable instruments. "Commissioner" means the Commissioner of Banking and Insurance. "Controlling interest" means ownership, control or interest in 25% or more of the outstanding and issued voting stock of the check cashing business. "Customer" means any person who seeks to have a check cashed by a licensee but does not include the maker of a check payable to another person. "Department" means the Department of Banking and Insurance. "Fee" includes any fee, charge, cost, expense, or other consideration. "License" means a license issued pursuant to this act and held by a licensee, which license authorizes the licensee to cash checks for a fee as provided pursuant to this act. "Licensee" means a person who holds, or who should hold, a license pursuant to this act. "Limited branch office" means a private premises where a licensee maintains and makes available to the particular group specified in the authorization, and to that group only, the facilities for cashing checks, drafts, or money orders on the designated premises for no more than two days of each week as designated in the authorization pursuant to subsection c. of section 12 of this act and also includes the premises where payroll services are provided. "Mobile office" means any vehicle or other moveable means from which the business of cashing checks is conducted. "Natural person" does not include a payee identified on the payee line of a check as a partnership, professional association, company, corporation, or other business entity. "Office" includes a principal office and a full branch office. "Payroll check" means a check issued by an employer to its employee in payment of salary or wages for services rendered by the employee. "Payroll service" means a service provided, pursuant to a written agreement, by a licensed check casher to an employer in which the employer pays a fixed fee or rate for the on-site delivery of payroll or cashing of payroll checks issued to its employees, at no cost to the employees. "Person" has the meaning given that word in R.S.1:1-2. "Substantial stockholder" means any person who beneficially owns or controls more than 10% of the outstanding voting shares of an applicant or a licensee. L.1993, c.383, s.2; amended 2003, c.252, s.1; 2015, c.233, s.1.
NJ Rev Stat § 17:15A-32 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-32 - License required

17:15A-32. License required  3. No person shall cash a check for a fee unless that person has a license. The license shall not be transferable or assignable.  L.1993,c.383,s.3.
NJ Rev Stat § 17:15A-32.1 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-32.1 - Sale of check cashing business.

17:15A-32.1 Sale of check cashing business.  1. a. A person who is conducting business as a check casher pursuant to P.L.1993, c.383 (C.17:15A-30 et seq.), whose license was continued pursuant to section 21 of P.L.1993, c.383 (C.17:15A-50), and who is not the subject of any action by the commissioner pursuant to section 19 or 20 of P.L.1993, c.383 (C.17:15A-48 or 17:15A-49), shall be permitted to sell the assets of the business of cashing checks. b. A person purchasing the assets of the business of cashing checks from a person permitted to sell those assets pursuant to subsection a. of this section shall be required to: (1) qualify for a license pursuant to the provisions of P.L.1993, c.383 (C.17:15A-30 et seq.), except that the person shall not be required to comply with the provisions of subsection e. of section 12 and subsection f. of section 18 of P.L.1993, c.383 (C.17:15A-41 and 17:15A-47) ; and (2) conduct the business of cashing checks from the location the address of which is listed on the license of the person from whom the assets of the business of cashing checks are being purchased. c. A business of cashing checks which is sold and purchased pursuant to subsections a. and b. of this section may be sold and purchased subsequently as long as each time the business is sold the seller is not the subject of any action by the commissioner pursuant to section 19 or 20 of P.L.1993, c.383 (C.17:15A-48 or 17:15A-49) and the person purchasing the business of check cashing : (1) qualifies for a license pursuant to the provisions of P.L.1993, c. 383 (C.17:15A-30 et seq.), except that the purchaser shall not be required to comply with the provisions of subsection e. of section 12 and subsection f. of section 18 of P.L.1993, c.383 (C.17:15A-41 and 17:15A-42); and (2) conducts the business of cashing checks from the location the address of which is listed on the license of the person from whom the business of cashing checks is purchased. L.1998,c.104,s.1.
NJ Rev Stat § 17:15A-33 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-33 - Application for licensure; requirements

17:15A-33. Application for licensure; requirements  4. Any person wishing to be licensed to cash checks for a fee shall: a. Submit to the commissioner a completed written application on forms prescribed by the commissioner which shall contain notice that false statements made therein are punishable and supported by evidence as required by the commissioner;  b. Submit an application fee as prescribed by the commissioner by regulation in an amount not to exceed $2,000;  c. Submit proof of net worth and liquid assets as required pursuant to section 8 of this act; and  d. Execute a statement on the application in which the applicant consents to allow the department to examine the records of the bank account or accounts used for its check cashing business.  L.1993,c.383,s.4.
NJ Rev Stat § 17:15A-34 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-34 - Approval of application

17:15A-34. Approval of application  5. The commissioner shall approve an application for a license if: a. The applicant has complied with the requirements of section 4 of this act;  b. The commissioner finds that the financial responsibility, experience, character, and general fitness of the applicant support the belief that the business will be operated honestly and fairly; and  c. The commissioner finds that none of the grounds for revoking or suspending a license set forth in section 19 of this act exist.  L.1993,c.383,s.5.
NJ Rev Stat § 17:15A-35 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-35 - Contents of application.

17:15A-35 Contents of application.  6. The application for a license shall include, but not be limited to, the following: a. The name, age, business address, residence and present and previous occupations of each applicant or licensee and of each officer, owner, director, partner, and substantial stockholder of the check cashing business to be licensed; b. The name and business address of each manager of each office, mobile office or limited branch office that the applicant proposes to operate; c. The address of each stationary site, if the check cashing business, or any portion thereof, is to be conducted from a stationary site or sites; d. The New Jersey motor vehicle registration number or other identification of the mobile office and the exact location or locations, if more than one, at which the applicant proposes to operate the mobile office, if the check cashing business, or any portion thereof, is to be conducted from a mobile office; e. Any other information that the commissioner may reasonably require; f. All licensees shall have an affirmative obligation to advise the commissioner in writing within five days of any change in the information required under subsections a., c. and d. of this section; and g. An applicant's customer information, customer lists, authorizations and customer contracts submitted to or obtained by the department in connection with an application for licensure for a limited branch office shall be confidential and not public records subject to public access, inspection or copying under P.L.1963, c.73 (C.47:1A-1 et seq.) or the common law concerning access to public records. The applicant's name and address and an application for licensure for a limited branch office shall be public records. Nothing contained in this subsection shall restrict the authority of the department or any other governmental entity to access documents, whether or not deemed public records, submitted in connection with an application for a limited branch office license. L.1993,c.383,s.6; amended 2003, c.252, s.2; see s.8 of 2003, c.252 for contingency in 2014.
NJ Rev Stat § 17:15A-36 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-36 - Fingerprinting, background checks for licensees

17:15A-36. Fingerprinting, background checks for licensees  7. Each director, substantial stockholder, officer, owner, partner, manager, and employee in the check cashing business of a licensee shall submit to being fingerprinted on forms supplied by the commissioner and shall provide written consent to the performance of background checks. The commissioner is authorized to exchange fingerprint data with and receive criminal history record information from the Federal Bureau of Investigation and the Division of State Police for use in performing background checks. The commissioner is authorized to conduct such additional background checks as he deems appropriate. The department is authorized to collect from the applicant or licensee any costs connected with these background investigations.  L.1993,c.383,s.7.
NJ Rev Stat § 17:15A-37 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-37 - Required capital, net worth, liquid assets.

17:15A-37 Required capital, net worth, liquid assets.  8. An applicant shall prove, in a manner and form satisfactory to the commissioner, that the applicant has available for the operation of its check cashing business at each office, mobile office or automated check cashing machine location, capital or net worth of at least $50,000, and has available for the operation of its check cashing business at each office , mobile office or location, liquid assets of at least $50,000. L.1993,c.383,s.8; amended 2003, c.252, s.3; see s.8 of 2003, c.252 for contingency in 2014.
NJ Rev Stat § 17:15A-38 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-38 - Licensee to engage services of public accountant

17:15A-38. Licensee to engage services of public accountant  9. a. Each applicant shall engage and each licensee shall maintain the services of a public accountant, which accountant shall assist the licensee to maintain the records of the check cashing business in an orderly and accurate manner.  b. The contract between the licensee and the public accountant shall include a statement by the accountant consenting to allow the department to examine all records of the licensee at the accountant's place of business during normal business hours.  c. If a licensee changes the public accountant used to assist in the maintenance of the licensee's records of the check cashing business, the licensee shall notify the department within 15 days of the date a change is made and provide the department with the information required pursuant to subsection d. of section 10 of this act.  L.1993,c.383,s.9.
NJ Rev Stat § 17:15A-39 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-39 - License required for operation, conditions

17:15A-39. License required for operation, conditions  10. No applicant for a license shall commence operations until a license has been issued. The commissioner shall not issue a license unless the following conditions have been met:  a. The application for the license has been approved pursuant to section 5 of this act;  b. The applicant's place or places of business have been approved by the department and the department has determined that the applicant has the necessary equipment to record transactions and maintain other records as required by this act;  c. The applicant has submitted to the department a statement that the applicant has a bank account or accounts which will be used solely for the check cashing business, together with the number or numbers of those accounts and the name of the institution in which each account is held; and  d. The applicant has submitted to the department the name and business address of the applicant's public accountant and evidence acceptable to the commissioner demonstrating compliance with subsections a. and b. of section 9 of this act.  L.1993,c.383,s.10.
NJ Rev Stat § 17:15A-40 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-40 - Valid license, civil actions.

17:15A-40 Valid license, civil actions.  11. a. A license shall be valid until surrendered by the licensee, or unless revoked or suspended pursuant to this act. b. The license shall be for a term of not less than two years as set by the commissioner by regulation. c. A licensee may bring a civil action in Superior Court against another licensee, or against a depository institution subject to subsection b. of section 21 of P.L.1993, c.383 (C.17:15A-50), as amended, or subsection c. of section 21 of P.L.1993, c.383 (C.17:15A-50), as amended, for violating any of the following provisions, if that violation has an impact on the check cashing business of the licensee bringing the action: (1) section 3 of P.L.1993, c.383 (C.17:15A-32); (2) the requirements set forth in paragraph (6) of subsection d. of section 12 of P.L.1993, c. 383 (C.17:15A-41); (3) subsection e. of section 12 of P.L.1993, c. 383 (C.17:15A-41); (4) subsection f. of section 18 of P.L.1993, c.383 (C.17:15A-47); (5) subsection b. of section 21 of P.L.1993, c.383 (C.17:15A-50); or (6) subsection c. of section 21 of P.L.1993, c.383 (C.17:15A-50). Nothing contained in this subsection shall be construed to restrict, limit or alter in any way the commissioner's authority to enforce the provisions of "The Check Cashers Regulatory Act of 1993," P.L.1993, c.383 (C.17:15A-30 et seq.) or any other law. d. If a licensee has not provided check cashing services during normal business hours at the location specified in the license for a period of 180 consecutive days or more, and if no application for renewal of the license or relocation of the licensed check casher is or shall have been filed prior to expiration of that 180-day period, the department may, after notice to the licensee and opportunity to be heard, revoke the license or for good cause shown, the department may extend the 180-day period. L.1993,c.383,s.11; amended 2003, c.252, s.4; 2007, c.81, s.14.
NJ Rev Stat § 17:15A-42 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-42 - Approval required for sale, transfer of business

17:15A-42. Approval required for sale, transfer of business  13. Any sale or transfer of a controlling interest in a licensee's or applicant's check cashing business shall be approved by the commissioner prior to the transfer or sale, after the licensee or applicant has provided written notice of the proposed sale or transfer to the commissioner. The commissioner shall approve the transfer or sale unless he determines, following an opportunity for a hearing, that sufficient grounds exist to deny, revoke, or suspend the license.  L.1993,c.383,s.13.
NJ Rev Stat § 17:15A-43 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-43 - Fees permitted.

17:15A-43 Fees permitted.  14. No licensee shall charge a fee or receive any other consideration, directly or indirectly, which is greater than the amount permitted pursuant to this section, as follows:  a. For cashing a check drawn on a depository institution or other financial entity located in this or any other State, two percent of the face amount of the check, or $.90, whichever is greater;  b. For cashing a check payable to a recipient of Temporary Assistance for Needy Families (TANF), one percent of the face amount of the check, or $.90, whichever is greater; c. For cashing a check payable to a recipient of supplemental security income pursuant to Subchapter XVI of the Social Security Act, 42 U.S.C. s.1381 et seq., one and one half percent of the face amount of the check, or $.90, whichever is greater;  d. For cashing a check payable to a recipient of old-age and survivors benefit payments pursuant to Subchapter II of the Social Security Act, 42 U.S.C. s.401 et seq., one and one half percent of the face amount of the check, or $.90, whichever is greater; e. On or after the 365th day from the effective date of this act, subsequent increases to the fees which may be charged pursuant to subsection a. of this section by a licensee for cashing a check, draft or money order shall be set by the commissioner by regulation; f. In setting the fees pursuant to subsection e. of this section, the commissioner shall consider, but not be limited to, the following:  (1) rates charged in the past; (2) the income, cost and expense of the operation of licensees; (3) rates charged by licensed check cashers or other similar entities located in other states for the same or similar services and the factors upon which those rates are based;  (4) changes in the population served; and (5) a reasonable profit for check cashers; and g. For cashing a check in excess of $2,500, a licensee may charge up to three percent of the face amount of the check, except, in the case of a check subject to subsection b., c., or d. of this section, the licensee shall charge no greater amount than the amount specified in the applicable subsection. L.1993, c.383, s.14; amended 1998, c.98; 2015, c.233, s.2; 2019, c.261.
NJ Rev Stat § 17:15A-45 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-45 - Annual report by check cashing business; violations, penalties.

17:15A-45 Annual report by check cashing business; violations, penalties.  16. Each licensee shall annually file a report with the commissioner giving the information the commissioner may require concerning its check cashing business and operations during the preceding calendar year. In addition to the annual report the commissioner may require additional regular or special reports as the commissioner deems necessary to effectuate the purposes of this act. These reports shall be made under oath or affirmation and shall be in the form and within the time prescribed by the commissioner by regulation. A licensee that fails to make and file its annual report in the form and within the time provided in this section shall be subject to a penalty of not more than $100 for each day's failure, and the commissioner may revoke or suspend its authority to do business in this State. The penalty may be collected in a summary proceeding pursuant to the "Penalty Enforcement Law of 1999," P.L.1999, c.274 (C.2A:58-10 et seq.). A warrant may issue in lieu of a summons. L.1993,c.383,s.16; amended 2007, c.81, s.15.
NJ Rev Stat § 17:15A-46 (2021)
2021 New Jersey Revised Statutes|Title 17 - Corporations and Institutions for Finance and Insurance|Section 17:15A-46 - Right to examine books, records

17:15A-46. Right to examine books, records  17. The department shall have the right to examine the books and records, and the place or places of business of any licensee. The reasonable cost of the examination shall be borne by the licensee. The department may order that the books and records be made available, and that the examination take place, at the office of the licensee's public accountant.  L.1993,c.383,s.17.