reglab/statecodes huggingface dataset:
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-6 - Issuance of identification card to registered security officer.

45:19A-6 Issuance of identification card to registered security officer.
6. a. The superintendent shall cause to be issued to a registered security officer an identification card containing such information as the superintendent shall prescribe. The identification card shall incorporate appropriate security features.
b. A person who is issued an identification card pursuant to subsection a. of this section shall be responsible for its safekeeping and shall not lend, let or allow any other person to use, possess, exhibit or display the card.
c. No person shall use, possess, exhibit or display any license, card, shield or badge of any design or material purporting to authorize the holder or wearer to act as a security officer, unless such person holds a valid certificate of registration as a security officer pursuant to section 4 of this act.
d. If it is established to the satisfaction of the superintendent that an identification card has been lost or destroyed, the superintendent shall, upon payment of an appropriate fee, cause to be issued a duplicate identification card for the unexpired portion of the term of the registration.
e. Any person who violates the provisions of this section shall be guilty of a crime of the fourth degree in addition to any other crime or offense specified by law.
L.2004,c.134,s.6.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-6.1 - Armed security officer to wear standardized uniform, badge.

45:19A-6.1 Armed security officer to wear standardized uniform, badge.
5. A security officer who carries a firearm in the performance of his duties shall wear a standardized uniform as prescribed by the superintendent in rules and regulations. These rules and regulations shall require SORA Level 2 armed security officers to wear on their uniform a badge indicating this status and armed security officers who wear company-issued shirts to have the word "SECURITY" printed on the reverse side of the shirt.
L.2015, c.295, s.5.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-6.2 - Weapon secured in security holster.

45:19A-6.2 Weapon secured in security holster.
6. A security officer, when carrying a firearm in the performance of his duties, shall secure the weapon in a level 3 or higher security holster.
L.2015, c.295, s.6.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-7 - Electronic registry of security officers; registration fee.

45:19A-7 Electronic registry of security officers; registration fee.
7. a. The superintendent shall develop and maintain an electronic database or similar electronic registry, which shall be accessible by licensed security officer companies, and which shall list all persons who are registered as security officers pursuant to the provisions of this act and such other information as the superintendent shall require by rule and regulation.
b. Each applicant for a certificate of registration as a security officer shall pay a fee to the superintendent in an amount established by the superintendent by rule and regulation. These fees shall be used exclusively for the development and maintenance of the electronic database or registry established pursuant to subsection a. of this section.
L.2004,c.134,s.7.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-8 - Additional penalties.

45:19A-8 Additional penalties.
8. a. In addition to any other penalties prescribed by this act or any other law, an owner or operator of a licensed security officer company or a company maintaining a proprietary or in-house security function who employs a security officer in violation of the provisions of this act shall be liable to a civil penalty not to exceed $10,000 for the first offense and not more than $20,000 for a second or subsequent offense. For the purposes of this subsection, each violation shall constitute a separate offense.
b. (1) In addition to any other penalties prescribed by this act or any other law, a person who permits himself to be employed as or performs the functions and activities of a security officer while in violation of the provisions of this act shall be liable to a civil penalty of not more than $1,000 for a first offense and not more than $2,500 for a second or subsequent offense. For the purposes of this subsection, each violation shall constitute a separate offense.
(2) In addition to any other penalties prescribed by this act or any other law, a certified security officer instructor who fails to comply with rules and regulations governing the functions of a certified security officer instructor shall be liable to a civil penalty of not more than $1,000 for a first offense and not more than $2,500 for a second or subsequent offense. For the purposes of this subsection, each violation shall constitute a separate offense.
c. A penalty imposed under subsection a. or b. of this section shall be recovered in a civil action pursuant to "The Penalty Enforcement Law of 1999," P.L.1999, c.274 (C.2A:58-10 et seq.).
L.2004, c.134, s.8; amended 2015, c.295, s.3.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-9 - Powers of superintendent.

45:19A-9 Powers of superintendent.
9. For the purpose of investigating whether a person has engaged in, or is engaging in, any act or practice declared unlawful under this act, or for the purpose of investigating the character, competency, integrity or methods of operation of applicants, licensees or registrants hereunder, or of any owner or operator of any licensed security officer company, the superintendent shall have the power to:
a. Require any person to file on such form as may be prescribed by the superintendent, a statement or report in writing under oath, or otherwise, as to the facts and circumstances concerning any matter being investigated;
b. Administer oaths or affirmations and examine any person in connection with any investigation;
c. Inspect any premises and examine and impound any record, book, computer, electronic database, recording device, document, account, paper or other tangible thing, without prior notification, in connection with any investigation;
d. Hold investigative hearings and issue subpoenas to compel the attendance of any person or the production of any record, book, computer, electronic database, recording device, document, account, paper or other tangible thing in connection with any investigation; and
e. Apply to the Superior Court for an order compelling compliance with any subpoena or other request for information.
L.2004,c.134,s.9.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-10 - Violations; revocation, suspension of license; prosecution.

45:19A-10 Violations; revocation, suspension of license; prosecution.
10. A violation of any of the provisions of this act shall be cause for revocation or suspension of any license or registration issued hereunder, notwithstanding that the same violation may constitute a crime or other offense under the laws of this State or any other state or jurisdiction. An indictment, prosecution and conviction arising out of any of the provisions of this act shall not be construed to preclude, if the evidence so warrants, an indictment, prosecution and conviction for any other crime or offense in this State or any other state or jurisdiction.
L.2004,c.134,s.10.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:19A-11 - Compliance required.

45:19A-11 Compliance required.
11. Each owner or operator of a security officer company or company maintaining a proprietary or in-house security function, and each person employed as a security officer on the effective date of this act and any act amendatory or supplementary thereto shall comply with the requirements of this act by the first day of the thirteenth month after its effective date or the effective date of any act amendatory or supplementary thereto.
Any person employed as a security officer by a company maintaining a proprietary or in-house security function or who performed the functions and activities of a security officer for such a company prior to the effective date of this amendatory and supplementary act shall complete the education and training program established pursuant to section 5 of P.L.2004, c.134 (C.45:19A-5) and register as a security officer with the superintendent pursuant to section 4 of P.L.2004, c.134 (C.45:19A-4) no later than the first day of the thirteenth month following the effective date of this act.
L.2004, c.134, s.11; amended 2015, c.295, s.4.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-1 - Definitions

45:21-1. Definitions
As used in this chapter:
"Person" means any individual, partnership, association, corporation or joint stock company, their trustees or receivers appointed by any court.
"Highway" means any street, avenue, park, parkway, road or other public place.
"Owner" means any and every person engaged in the business of renting or leasing motor vehicles, without a driver, to be operated by the lessee or bailee, his agent or servant, for purposes other than the transportation of passengers for hire.
"Child restraint" means a child passenger restraint system that conforms to the federal motor vehicle safety standard applicable when it was manufactured.
Amended by L. 1985, c. 202, s. 1, eff. Sept. 1, 1985.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-2 - Liability insurance policy to be filed with municipal clerk

45:21-2. Liability insurance policy to be filed with municipal clerk
Every owner, as defined in section 45:21-1 of this title, shall file with the clerk of the municipality in which he resides or has his place of business a policy of insurance of a company duly licensed to transact business under the insurance laws of this state, insuring such owner against loss from the liability imposed by law upon such owner for damages on account of bodily injury or death suffered by any person other than a person in the employ of such owner, or a person in, on or about such motor vehicle in the status of a driver, passenger for hire or occupant, as a result of accidents occurring by reason of the negligent maintenance, use or operation of such motor vehicle upon the public highways of this state.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-3 - Various provisions of policy

45:21-3. Various provisions of policy
Such policy of insurance shall provide a limit of liability on the part of the insurer, exclusive of court costs and the expenses of investigating and defending suits, for each motor vehicle covered thereby, in the sum of $10,000.00 for bodily injury to or death of any 1 person, and, subject to the same limit of liability for each person so injured or killed, in the sum of $20,000.00 for bodily injury to or death of more than 1 person in any 1 accident, and for damage to property in the sum of $5,000.00; and shall provide for the payment, subject to the aforesaid limits of liability, of any final judgment recovered by any person on account of the ownership, maintenance and use of such motor vehicle by either the owner or the lessee or bailee, his agent or servant, or any fault in respect thereto, and shall be for the benefit of any person suffering loss, damage or injury as aforesaid. Such policy of insurance shall contain a provision for a continuing liability thereunder, subject to the aforesaid limits of liability, notwithstanding any recovery thereon, and shall further provide that nothing contained therein, nor the violation of any of the provisions thereof, shall relieve the insurer, within the limit of liability aforesaid, from the payment of any such judgment; but this provision shall not, as between the insurer and the assured, affect the rights given by the policy to the insurers against the assured because of any such violation or otherwise. The provisions of this chapter, so far as may be requisite, shall be read into and deemed to form a part of any such policy.
Amended by L.1959, c. 45, p. 150, s. 1, eff. July 1, 1959.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-4 - One or more policies may be filed

45:21-4. One or more policies may be filed
The owner, at his option, may file one policy for each motor vehicle, or one policy covering two or more vehicles, or one policy covering all vehicles operated under the same ownership, with provision for substitution and addition of motor vehicles thereunder, and may file policies of different insurers.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-5 - Owner to file power of attorney for acknowledgment of service of process

45:21-5. Owner to file power of attorney for acknowledgment of service of process
Such owner shall, prior to the issuance of any certificate under this chapter, execute and deliver to said clerk a power of attorney, wherein and whereby the owner shall nominate, constitute and appoint said clerk his true and lawful attorney for the purpose of acknowledging service of any process out of a court of competent jurisdiction in any action brought to recover damages against such owner by reason of the negligent maintenance, use, or operation of any such motor vehicle as aforesaid; but no owner shall be required to file and maintain in force more than one power of attorney under this chapter.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-6 - Certificates of compliance; issuance; revocation and surrender

45:21-6. Certificates of compliance; issuance; revocation and surrender
Upon the owner's compliance with the requirements of sections 45:21-2 to 45:21-5 of this title, said clerk shall issue to the owner a certificate for each vehicle, which certificate shall describe the vehicle and certify that the owner thereof has filed a policy and power of attorney as required by this chapter. Said certificate shall at all times be carried in the vehicle, and no lessee or bailee shall remove, or cause or permit to be removed, said certificate therefrom. Said clerk shall revoke such certificate at any time when there is not on file with him a valid policy, in full force and effect, and a power of attorney, as required by this chapter. Upon notice of such revocation, the owner shall surrender such certificate to said clerk or to any person designated by him to receive the same, and shall cease to operate, or cause or permit to be operated, such motor vehicle.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-7 - Cancellation of policy; notice to clerk; replacement of policy; revocation of certificate upon default

45:21-7. Cancellation of policy; notice to clerk; replacement of policy; revocation of certificate upon default
Any policy filed under the provisions of this chapter may be canceled, as to accidents occurring subsequent to the effective date of such cancellation, by the insurer or by the owner upon the terms and in the manner therein provided for; but such cancellation shall not be effective unless and until twenty days' notice in writing of such cancellation shall have been given said clerk. Service of such notice upon said clerk may be made either personally or by mail, and if by mail shall be deemed complete when the notice is deposited in the post office, registered, postage prepaid, and directed to said clerk at his official address. Immediately upon receipt of notice by said clerk of the cancellation of any such policy, or if the authority of the insurer to transact such business in this state shall be revoked, he shall require the owner to replace such policy with another good and sufficient policy in accordance with the provisions of this chapter, in default of which the owner's certificate shall be revoked for all motor vehicles covered by such policy, and the owner shall thereupon cease to operate, or cause or permit to be operated, any such motor vehicle. Upon revocation of the certificate of any owner by said clerk, other than for failure to file another policy upon notice of cancellation, as herein above provided for, notice shall be sent by said clerk to the insurer, and such notice of revocation shall operate automatically to cancel such policy for the motor vehicle for which the certificate was revoked, as to all accidents occurring subsequent to the revocation of the certificate, and such insurer shall be liable for the return of the unearned premium upon such policy, as in case of cancellation by the insurer.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-8 - Certain corporations may carry own liability insurance

45:21-8. Certain corporations may carry own liability insurance
Such owner, if a corporation of this state with a paid-up cash capital of not less than two hundred thousand dollars, may carry its own liability insurance, as required by the provisions of this chapter, if it can reasonably satisfy the commissioner of banking and insurance as to the permanence and financial standing of its business. Any owner desiring to be exempt from obtaining or filing an insurance policy as required by this chapter shall make application to said commissioner, showing its financial ability to pay such damages, whereupon the commissioner, if reasonably satisfied of the applicant's financial ability, shall by written order make such exemption and deliver a certified copy thereof to said clerk, which certified copy shall remain with him in lieu of such policy or policies of insurance so long as the paid-up cash capital of said corporation remains at not less than two hundred thousand dollars, and the order of the commissioner remains in force. The clerk shall issue to a corporation so exempted a certificate showing such exemption in lieu of the certificate required to be issued by section 45:21-6 of this title. The commissioner may from time to time require further statements of the financial ability of such corporation, and if, at any time in his opinion, the corporation appears no longer able to pay damages, he shall revoke his order granting exemption and notify the clerk of such revocation; whereupon the clerk shall revoke the certificate showing exemption issued by the commissioner, and the corporation shall immediately insure its liability as required by the provisions of this chapter.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-10 - No exemption from complying with motor vehicle statutes

45:21-10. No exemption from complying with motor vehicle statutes
Nothing herein contained shall exempt any person owning or operating any such motor vehicle from complying with existing statutes relating to the ownership, registration and operation of motor vehicles in this state.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-11 - Penalty

45:21-11. Penalty
A person operating, or causing or permitting the operation of, any such motor vehicle wholly or partly along any public highway in this state, without complying with the provisions of this chapter, shall be deemed guilty of a misdemeanor and subject to the penalties therefor provided by law.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-12 - Register to be kept by persons renting motor vehicles

45:21-12. Register to be kept by persons renting motor vehicles
Every person engaged in the business of renting or leasing motor vehicles to any other person, to be driven by any one other than the person engaged in said business or his agent or servant, shall keep and maintain a daily register, in which shall be entered the date and the time of the renting or leasing of each motor vehicle so rented or leased, the name and address of each person to whom the same is rented or leased, with a description of his business and of the purpose for which the vehicle is to be used, and the name and address of each person who will drive or operate the same, together with the number of his license to drive a motor vehicle and a description of the authority by which the same is issued, which register shall be open to inspection at all reasonable times by any person having a claim for damages incurred by reason of personal injury or property damage in the operation of any such motor vehicle while so rented or leased, his agent or attorney.
L.1949, c. 206, p. 676, s. 1.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-13 - Violations of act

45:21-13. Violations of act
Any such person who shall fail to keep, maintain and make available such register for inspection, as aforesaid, or who shall rent or lease any motor vehicle to any other person without requesting the proper information and making the appropriate entries in such register, shall be guilty of a misdemeanor.
L.1949, c. 206, p. 677, s. 2.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-14 - Child restraints in rental vehicles

45:21-14. Child restraints in rental vehicles
Every owner who rents a motor vehicle to any person shall inform the person of the requirements of P.L. 1983, c. 128 (C. 39:3-76.2a et seq.) with respect to the use of a child restraint and shall provide, at the request of the renter, an appropriate child restraint. The owner shall also supply the person with simple instructions for its use. The owner may charge a reasonable fee and deposit for the use of the child restraint.
L. 1985, c. 202, s. 2, eff. Sept. 1, 1985.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:21-15 - Penalty for violation

45:21-15. Penalty for violation
An owner who violates this amendatory and supplementary act shall be fined not less than $50.00 nor more than $250.00 for each offense, if the owner received at least 24 hours' advance notice from the customer or his agent that a child restraint system was required.
L. 1985, c. 202, s. 3, eff. Sept. 1, 1985.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-1 - Short title; definitions

45:22-1. Short title; definitions
This article shall be known as the "pawnbroking law" .
In this article, unless the context otherwise requires:
"Pawnbroker" means any person, partnership, association or corporation lending money on deposit or pledge of personal property, other than choses in action, securities, or printed evidences of indebtedness; or purchasing personal property on condition of selling it back at a stipulated price; or doing business as furniture storage warehouseman and lending money on goods, wares or merchandise pledged or deposited as collateral security.
"Pledge" means an article or articles deposited with a pawnbroker in the course of his business.
"Pledgor" means a person who delivers the pledge into the possession of a pawnbroker, unless such person discloses that he is or was acting for another, and in such an event "pledgor" means the disclosed principal.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-2 - License required

45:22-2. License required
No person shall engage or continue in business as a pawnbroker except as authorized by this article, and without first obtaining a license from the commissioner of banking and insurance. No person other than a licensee under this article shall display any sign or other device in or about the premises of business, or in any advertising matter or other printed matter which in anywise resembles the emblem or sign commonly used by pawnbrokers, nor shall there be any sign displayed which is calculated to deceive, nor shall the word "pawnbroker" be used in or about the premises of business or in any advertising matter or other printed matter nor shall any such person hold himself out to the public to be a pawnbroker, either through advertising, soliciting, signs or otherwise.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-3 - Application for license; contents, criminal history record background check.

45:22-3 Application for license; contents, criminal history record background check.
Application for such license shall be in writing and shall state the full name and place of residence of the applicant, or, if the applicant be a partnership, of each member thereof, or, if the applicant be a corporation or association, of each officer and stockholder thereof, together with the place or places where the business is to be conducted.
Any applicant for a license pursuant to this section and any officer, director, partner or owner of a controlling interest of a corporation or partnership filing for licensure shall submit to the commissioner the applicant's name, address, fingerprints and written consent for a criminal history record background check to be performed. The commissioner is authorized to exchange fingerprint data with and receive criminal history record information from the State Bureau of Identification in the Division of State Police and the Federal Bureau of Investigation consistent with applicable State and federal laws, rules and regulations, for the purposes of facilitating determinations concerning licensure eligibility. The applicant shall bear the cost for the criminal history record background check, including all costs of administering and processing the check. The Division of State Police shall promptly notify the commissioner in the event a current holder of a license or prospective applicant, who was the subject of a criminal history record background check pursuant to this section, is arrested for a crime or offense in this State after the date the background check was performed.
Amended 2003, c.199, s.15.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-4 - License; issuance, term.

45:22-4 License; issuance, term.
45:22-4. Upon application to the Commissioner of Banking and Insurance, such official may in his discretion issue to the applicant upon the filing of a bond as hereinafter provided, a license to do business in this State. The license shall not be assignable. The license shall run from the date of issuance to the end of the licensing period of not less than two years as set by the commissioner by regulation. The Commissioner of Banking and Insurance may require proof to his satisfaction of the financial ability of the applicant to carry on such business.
Amended 1981, c.321, s.10; 2007, c.81, s.26.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-5 - Pawnbroker must be insured

45:22-5. Pawnbroker must be insured
Each pawnbroker licensed pursuant to the provisions of this article shall be required by the commissioner of banking and insurance to furnish proof that he is adequately covered by insurance, bond or cash surplus to cover any pledgor in the event of loss by fire, theft, burglary or otherwise, or his liability to the pledgor.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-7 - Pawnbroker's bond; actions on

45:22-7. Pawnbroker's bond; actions on
Any applicant licensed pursuant to the provisions of this article shall file with the commissioner of banking and insurance, before commencing business, a bond in the sum of one thousand dollars, with one or more sufficient sureties to be approved by the commissioner of banking and insurance. The aggregate liability of such sureties shall not exceed the amount stated in the bond. Such bond shall run to the state of New Jersey for the use of the state and of any other person who may have a cause of action against the principal, as licensee, under the provisions of this article. A separate bond shall be required for each place of business if more than one be conducted by any such licensee. If a judgment be recovered against the licensee in any of the courts of this state, and such judgment be returned unsatisfied, the holder of such judgment or his assignee may, after such return unsatisfied, either in whole or in part, maintain an action in the name of the state for his own use upon such bond in any court having jurisdiction of the amount claimed.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-8 - Revocation of license

45:22-8. Revocation of license
The commissioner of banking and insurance may, upon notice to the licensee of five days, and after hearing, revoke any license issued under the provisions of this article for any violation of the provisions hereof or any of the regulations adopted pursuant thereto.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-9 - License must be conspicuously displayed

45:22-9. License must be conspicuously displayed
The license so issued shall be kept conspicuously posted in the licensee's place of business and whenever the licensee shall change his place of business written notice thereof shall be given to the commissioner of banking and insurance who shall indicate on the license his approval, in writing, of the change of location.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-10 - Investigation by commissioner; other investigations.

45:22-10 Investigation by commissioner; other investigations.
45:22-10. The Commissioner of Banking and Insurance may at any time investigate the business of all licensees, either personally or by any person designated by him, and for the purpose of effectuating this article the Commissioner of Banking and Insurance or the person so designated shall have free access, during the usual business hours, to the licensee's place of business, to the books, papers, records, safes and vaults of the licensee wherever located, and shall also have the authority to examine, under oath, any person whose testimony he may require relative to such business. The cost and charges of any such examination or investigation shall be borne by the licensee. Absent a determination by the commissioner that good cause exists, the cost of the examination shall not exceed $2,500. The examination shall be conducted in accordance with generally accepted examination procedures and pursuant to established and objective criteria developed by the commissioner. The department shall issue to the licensee an itemized invoice setting forth the number of hours and the work performed in connection with the examination.
Amended 2001, c.388, s.1; 2007, c.81, s.27.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-11 - Commissioner to have general supervision; cooperation with police

45:22-11. Commissioner to have general supervision; cooperation with police
Subject to the provisions of this article, the commissioner of banking and insurance may prescribe the form of such books and records to be kept by the licensee, which books and records shall be preserved for a period of at least two years after making the final entry on any pledge recorded therein and shall be available to all parties in interest. He may adopt and promulgate such other rules and regulations not inconsistent with the provisions of this article as he may deem necessary for the proper conduct of his office and the enforcement of this article, and in the exercise of the powers conferred herein, he shall co-operate with the police and other officials of the several municipalities for the recovery or restoration of stolen property.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-12 - Pawnbroker's annual report; contents; violations, penalties.

45:22-12 Pawnbroker's annual report; contents; violations, penalties.
45:22-12. Every pawnbroker shall annually, submit to the Commissioner of Banking and Insurance, on such forms and within the time as may be prescribed by him, a report under oath, giving the number and amount of loans made during the preceding calendar year, and the balance of all loans outstanding at the close of the year, the rates of interest charged and such other information as the commissioner may require.
A pawnbroker 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.
Amended 2007, c.81, s.28.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-13 - Pawnbroker's records; details of

45:22-13. Pawnbroker's records; details of
Every pawnbroker shall keep a book in which shall be recorded, in ink, at the time of making each loan, the name and address of the pledgor, or, where a pledge is made by a person acting as agent for a disclosed principal, the names and addresses of principal and agent; the date of the transaction; amount of the loan; the article or articles pledged; and the serial number of the loan. There shall also be recorded in such book the date on which each loan was canceled, and whether it was redeemed or renewed or whether the collateral was sold at auction. In a separate book the licensee shall record, in ink, all sales of unredeemed pledges, showing number, date, amount, and duration of each loan, the date of sale, the amount realized from the sale of the collateral, the amount charged to the pledgor as interest, commission and expenses of sale, the amount of the surplus or deficit, as the case may be, the date on which and the person to whom the surplus, if any, was paid. All entries herein provided for shall be made in the English language.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-14 - Pawnbroker to keep identification cards

45:22-14. Pawnbroker to keep identification cards
The pawnbroker shall at the time of making a loan require the pledgor or his agent to write his signature and address on a card bearing the serial number of the loan corresponding to that recorded in the pawnbroker's book, as provided in section 45:22-13 of this title. If such person is unable to write, he shall sign by mark, and in such event the pawnbroker shall record on the signature card such information as will enable him to identify the person in case of the loss of the ticket.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-15 - Pledgor's ticket; contents

45:22-15. Pledgor's ticket; contents
The pawnbroker shall, at such time, deliver to the pledgor or his agent a memorandum or ticket on which shall be legibly written or printed the name of the pledgor; the name of the pawnbroker and the place where the pledge is made; the article or articles pledged; the amount of the loan; the date of the transaction; the serial number of the loan; the rate of interest; and a copy of sections 45:22-22 and 45:22-24 of this title. A pawnbroker may insert in such ticket any other terms and conditions not inconsistent with the provisions of this article. Nothing appearing on a pawn ticket shall relieve the pawnbroker of the obligation to exercise reasonable care as provided in this article in the safe-keeping of articles pledged with him.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-16 - Redemption by holder of ticket

45:22-16. Redemption by holder of ticket
Except as otherwise herein provided, the holder of such ticket shall be presumed to be the person entitled to redeem the pledge, and the pawnbroker shall deliver the pledge to the person presenting the ticket upon payment of principal and interest.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-17 - Redemption by mail or express; if sum insufficient

45:22-17. Redemption by mail or express; if sum insufficient
When a ticket, instead of being presented in person, is sent to the pawnbroker by mail or express, accompanied with a money order or bank draft for the amount due, including the charges for shipment as desired, and twenty-five cents for packing, the pledge shall be securely packed and forwarded by the pawnbroker in accordance with the remitter's instructions, if any. If the remittance is insufficient to cover the amount due, the charges of shipment as desired, and packing, the pawnbroker shall either notify the remitter of the amount of the deficiency or send the pledge subject to the payment of shipping charges by the consignee. The pawnbroker's liability for the pledge shall cease upon delivery thereof to the carrier or his agent.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-19 - Lost or destroyed ticket; new ticket on affidavit

45:22-19. Lost or destroyed ticket; new ticket on affidavit
If the ticket be lost, destroyed or stolen, the pledgor shall so notify the pawnbroker in writing. The receipt of such notice shall be treated by the pawnbroker as a stop against the loan, and thereafter the provisions of sections 45:22-16 to 45:22-18 of this title shall not apply to such loans. Before delivering the collateral or issuing a new ticket, in such event, the pawnbroker shall require the pledgor to make affidavit of the alleged loss, destruction, or theft of the ticket. Upon receipt of such affidavit, the pawnbroker shall permit the pledgor either to redeem the loan or to receive a new ticket upon the payment of accrued interest, and the pawnbroker shall incur no liability for so doing, unless he has previously received written notice of any adverse claim.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-20 - Alteration of ticket; not to affect liability

45:22-20. Alteration of ticket; not to affect liability
The alteration of a ticket shall not excuse the pawnbroker who issued it from liability to deliver the pledge according to the terms of the ticket as originally issued, but shall relieve him of any other liability to the pledgor or holder of the ticket.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-21 - Spurious tickets

45:22-21. Spurious tickets
If a ticket is presented to a pawnbroker which purports to be one issued by him, but which is found to be spurious, the pawnbroker may seize and retain same without any liability whatsoever to the holder thereof. Any such tickets so seized shall be delivered to the commissioner of banking and insurance.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-22 - Interest chargeable; exceptions.

45:22-22 Interest chargeable; exceptions.
45:22-22. Notwithstanding the provisions of N.J.S.2C:21-19 to the contrary, a pawnbroker shall not charge or receive interest on a loan in excess of 4.5% per month or a fraction thereof, except that he may charge $1.50 where the interest herein amounts to less. In no event shall any other charges be made for any reason whatsoever, except as permitted by the Commissioner of Banking and Insurance.
amended 1957, c.129; 1984, c.84, s.1; 2001, c.388, s.2; 2013, c.213.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-23 - Receipts on redemption, renewal or reduction of loan

45:22-23. Receipts on redemption, renewal or reduction of loan
A pawnbroker when requested for a receipt at the time of redemption, renewal or reduction of a loan, shall furnish to the person redeeming, renewing or reducing the loan, a receipt setting forth the name of the pawnbroker, his address, the date and number of the pledge, the amount of principal and interest, and the date of the payment for redemption, renewal or reduction of the loan.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-24 - Pawnbroker's liability; degree of care required; burden of proof

45:22-24. Pawnbroker's liability; degree of care required; burden of proof
A pawnbroker shall be liable for the loss of a pledge or part thereof, or for injury thereto, whether caused by fire, theft, burglary or otherwise, resulting from his failure to exercise reasonable care in regard to it, but he shall not be liable, in the absence of an express agreement to the contrary, for the loss of a pledge or part thereof, or for injury thereto, which could not have been avoided by the exercise of such care. The burden of proof to establish reasonable care shall be upon the pawnbroker.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-25 - Period of redemption; sale of unredeemed pledges.

45:22-25 Period of redemption; sale of unredeemed pledges.
45:22-25. All unredeemed pledges shall be sold at public auction or private sale, but not before the expiration of twelve months from the date of the loan, unless otherwise agreed in writing between the pawnbroker and the pledgor, or authorized by the Commissioner of Banking and Insurance for due cause shown.
Amended 2001, c.388, s.3.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-26 - Sale by auction or private sale; notice of proposed sale.

45:22-26 Sale by auction or private sale; notice of proposed sale.
45:22-26. All unredeemed pledges shall be sold at public auction or private sale, but not before a notice in writing shall have first been mailed subsequent to the date of maturity of the loan, to the last known address of the pledgor and at least twenty days prior to the date of such public or private sale.
Amended 2001, c.388, s.4.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-27 - Disposition of proceeds, surplus.

45:22-27 Disposition of proceeds, surplus.
45:22-27. The proceeds of such sale by public auction or private sale shall be applied for the purposes and in the order here specified; auctioneer's charges, if any; principal and interest of the loan; and a proportionate share of the expense of publishing any notice of the sale, as well as a proportionate share of other specified written or printed notice sent by mail, determined by dividing the total expense of such inclusive notice by the number of loans sold. The surplus, if any, shall be paid, upon proof of identification, to the pledgor or anyone else who would have been entitled to redeem the pledge if it had not been sold. Notice of such surplus, if any, shall be mailed to the last known address of the pledgor, within thirty days after the sale. Amended 2001, c.388, s.5.45:22-31 Pawnbroker not to accept pledge from persons under 16.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-28 - Surplus belongs to pawnbroker after five years

45:22-28. Surplus belongs to pawnbroker after five years
If a surplus be not paid or claimed within five years from the date on which it accrued, it shall revert to the pawnbroker for his own use and benefit. Interest on unpaid surplus, at the rate of six per cent per annum, shall accrue only after the pawnbroker's refusal to pay the same, upon lawful demand thereof.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-29 - Pledge delivered on surrender of ticket or ticket impounded

45:22-29. Pledge delivered on surrender of ticket or ticket impounded
Except as otherwise provided in this article, a pawnbroker shall not be required, by legal process or otherwise, to deliver a pledge except upon surrender of the ticket, unless the ticket be impounded or its negotiation enjoined by a court of competent jurisdiction.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-30 - If rival claimants; interpleading parties in actions against pawnbroker

45:22-30. If rival claimants; interpleading parties in actions against pawnbroker
If more than one person shall claim the right to redeem a pledge, the pawnbroker shall incur no liability for refusing to deliver the pledge until the respective rights of the claimants shall have been adjudicated. In case action be brought against the pawnbroker for recovery of the pledge, he may, as a defense, require all known claimants to interplead. If no action be brought against the pawnbroker by either party within the period for which he is required, under this article to hold the pledge, or within thirty days of notice of an adverse claim, he may proceed to sell the pledge and hold the surplus, if any, subject to adjudication or other adjustment of the parties' rights.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-31 - Pawnbrowker not to accept pledge for persons under 16

45:22-31. Pawnbrowker not to accept pledge for persons under 16
45:22-31. A pawnbroker shall not:
a. Accept a pledge from any person who is under the age of sixteen years.
b. (Deleted by amendment, P.L.2001, c.388.)
Amended 2001, c.388, s.6.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-33 - Affidavit of ownership of mechanic's tools pledged or pawned

45:22-33. Affidavit of ownership of mechanic's tools pledged or pawned
No pawnbroker, his agent or attorney, shall receive, by way of pledge or pawn, from any person any mechanic's tools used in the erection, addition or alteration of any building or structure, unless said person produces before said pawnbroker, his agent or attorney, two reputable citizens who reside in the county in which the pawnbroker is doing business, and who shall respectively subscribe to an affidavit containing the name, residence and occupation of such affiant, and setting forth that said affiant verily believes that the person desiring to pledge said mechanic's tools is the true owner thereof. Every such affidavit shall be kept on file by the pawnbroker and a note thereof made in his book and shall be subject to the same inspection as his books, and the pawnbroker shall furnish without charge a true copy of said affidavit to each person making the same. A pawnbroker who violates any of the provisions of this section shall be guilty of a misdemeanor.
2023 New Jersey Revised Statutes › Title 45 - Professions and Occupations › Section 45:22-34 - Daily report to police of pledges and redemptions; penalty

45:22-34. Daily report to police of pledges and redemptions; penalty
All pawnbrokers or dealers in secondhand goods, in addition to keeping a proper record of the deposit and redemption of all goods and pledges shall, each day, except Sunday, before eleven o'clock in the forenoon, deliver to the chief of police, or other head of the police department of the municipality having an established police department and in which said pawnbroker or dealer has his place of business, a legible and correct transcript, on blank forms to be furnished by said police department, from the book or books in which said pawnbroker or dealer keeps his record of the deposit or redemption of goods and pledges, showing the description of each article or thing received by him during the business day immediately preceding the filing of the report, together with the amount of money loaned thereon, and a description of the person making the pledge. In the case of business done on Saturday such report shall be delivered to the chief of police or head of the police department before eleven o'clock A.M. of the succeeding Monday. Any pawnbroker or dealer in secondhand goods who fails to comply with the provisions of this section shall forfeit and pay to the municipality wherein he has his place of business a fine or penalty of one hundred dollars for each and every offense.