17:11C-6. Exempt consumer loan business, certain
6. A depository institution, trust company, insurance company, or pawnbroker operating under R.S.45:22-1 et seq., may conduct consumer loan business without obtaining a license under this act and without being subject to this act.
L.1996,c.157,s.6.
Structure New Jersey Revised Statutes
Title 17 - Corporations and Institutions for Finance and Insurance
Section 17:1-1 - Department of Banking and Insurance reconstituted
Section 17:1-1.1 - Short title
Section 17:1-1.2 - Effective date
Section 17:1-3.1 - New Jersey Real Estate Commission
Section 17:1-5 - Seal of office; certificates under seal as evidence
Section 17:1-8 - Fees; disposition
Section 17:1-8.1 - Rules, regulations
Section 17:1-14 - Appointments of deputy, assistant commissioners, organization; divisions
Section 17:1-15 - Duties, authority of commissioner.
Section 17:1-16 - Examination of persons, subpoena of witnesses, documents
Section 17:1-17 - Transfer of appropriations, moneys
Section 17:1-18 - Assignment, transfer of employees
Section 17:1-19 - Tenure, rights preserved
Section 17:1-20 - Transfer of property
Section 17:1-21 - References to department, commissioner
Section 17:1-22 - Existing orders, rules, regulations not affected
Section 17:1-23 - Actions, proceedings not affected
Section 17:1-26 - Definitions relative to enforcement powers of Department of Banking and Insurance.
Section 17:1-27 - Prohibited actions.
Section 17:1-28 - Enforcement of, penalties for violations under C.17:1-27.
Section 17:1C-6.1 - Training program for volunteers
Section 17:1C-19 - Findings, declarations relative to the Department's expenses
Section 17:1C-20 - Certification of expenses incurred, apportionment.
Section 17:1C-20.1 - Distribution of special purpose apportionment
Section 17:1C-21 - Filing of objections to apportionment
Section 17:1C-22 - Commissioner's findings, notice
Section 17:1C-23 - Notice of delinquency
Section 17:1C-24 - Action for recovery
Section 17:1C-25 - No action, proceeding maintained in court for delaying collection, payment
Section 17:1C-26 - Procedure exclusive
Section 17:1C-27 - Failure, refusal to pay, notice to Treasurer
Section 17:1C-28 - Collection of amount due
Section 17:1C-29 - Additional remedy
Section 17:1C-30 - Exemption from fees, charges
Section 17:1C-31 - Permitted increase in amount assessable.
Section 17:1C-32 - Rules, regulations
Section 17:1C-33 - Findings, declarations relative to funding mechanism for Division of Banking.
Section 17:1C-34 - Definitions relative to funding mechanism for Division of Banking.
Section 17:1C-36 - Objections to assessment, hearing.
Section 17:1C-37 - Transmission of findings to objector.
Section 17:1C-38 - Notice of delinquency, collection.
Section 17:1C-39 - Action for recovery.
Section 17:1C-40 - Action, proceeding.
Section 17:1C-41 - Exclusive procedure under act.
Section 17:1C-42 - Failure, refusal to pay, notice to Treasurer.
Section 17:1C-43 - Procedure for collection.
Section 17:1C-44 - Additional remedies.
Section 17:1C-45 - Exemption from certain fees and charges; remittance.
Section 17:1C-46 - Rules, regulations; contents.
Section 17:1C-47 - Total amount assessable.
Section 17:1C-48 - Liability for errors, penalties; third degree crime.
Section 17:1D-1 - Office for e-HIT.
Section 17:1D-2 - Funding of commission budget.
Section 17:1D-3 - Rules, regulations.
Section 17:2-1 - Bonds secured by mortgage on leaseholds of camp meeting associations--limitations
Section 17:2-2 - Bonds issued by commission appointed by supreme court
Section 17:2-4 - Bonds of home owners' loan corporation
Section 17:2-5 - Loans and advances eligible for insurance by federal housing administrator
Section 17:2-6 - General powers
Section 17:2-6.1 - Insured mortgages and bonds and obligations of national mortgage associations
Section 17:2-7 - Laws governing interest rates inapplicable
Section 17:2-8 - Other laws governing loans inapplicable; exceptions
Section 17:2-9 - Bonds, debentures or other obligations of Federal Home Loan Bank
Section 17:2-9.2 - Veterans, loans to
Section 17:2-9.3 - Legal investments in international banks
Section 17:2-9.4 - Trust fund, application to
Section 17:2A-2 - Emergency rules and regulations; adopted by commissioner
Section 17:2A-3 - Basis for rules; rates and interest charges; property not affected by disaster
Section 17:2A-5 - Extension of termination date
Section 17:3-1 - Extension of time of payment
Section 17:3-2 - Home owners' loan corporation bonds; acceptance by receiver in payment of mortgages
Section 17:3-3 - Definitions and construction
Section 17:3A-4 - Liquidator not accountable for authorized destruction
Section 17:3A-5 - Corporations affected by act
Section 17:3A-6 - Presumption as to prior law
Section 17:3A-7 - Effective date
Section 17:3B-1 - Truth in lending; inconsistent state provisions
Section 17:3B-2 - Violation of truth in lending act and state law; civil actions
Section 17:3B-3 - Rules and regulations
Section 17:3B-6 - Extension of credit under revolving credit plan
Section 17:3B-8 - Periodic percentage rates
Section 17:3B-9 - Purchases and loans--differing terms
Section 17:3B-10 - Overdraft accounts
Section 17:3B-11 - Omitted installments
Section 17:3B-12 - Loans under a revolving credit plan
Section 17:3B-13 - Revolving credit plan prohibitions
Section 17:3B-14 - Collection costs
Section 17:3B-15 - Changes in terms
Section 17:3B-16 - Extension of closed end credit
Section 17:3B-18 - Periodic percentage rates
Section 17:3B-19 - Additional charges.
Section 17:3B-20 - Deferred installments
Section 17:3B-22 - Prepayment in a closed end credit arrangement
Section 17:3B-23 - Closed end loan prohibitions
Section 17:3B-24 - Collection costs in a closed end credit arrangement
Section 17:3B-25 - Applicable federal law
Section 17:3B-26 - Administrative regulations
Section 17:3B-27 - Nonexclusivity
Section 17:3B-29 - Findings, declarations relative to bank revolving credit plans
Section 17:3B-30 - Definitions relative to bank revolving credit plans
Section 17:3B-31 - Bank permitted to offer credit under revolving credit plan
Section 17:3B-32 - Bank permitted to charge, collect periodic interest under revolving credit plan
Section 17:3B-33 - Periodic percentage rate, rates of interest may vary
Section 17:3B-34 - Additional interest, charges permitted
Section 17:3B-35 - Imposition of different terms
Section 17:3B-36 - Customary checking charges may be imposed
Section 17:3B-37 - Omission of monthly installments
Section 17:3B-38 - Insurance for borrower requested, required
Section 17:3B-39 - Imposition of late, delinquency charge
Section 17:3B-40 - Default by borrower, attorney's, collection agency's fee
Section 17:3B-41 - Terms of agreement, amendment
Section 17:3B-42 - Other laws not applicable; exceptions
Section 17:3B-43 - Nonexclusivity of act
Section 17:3B-44 - Charges considered interest
Section 17:3B-45 - Laws of State govern revolving credit plan, conditions
Section 17:3B-46 - Provisions of act may apply to any revolving credit plans
Section 17:3C-1 - Prohibition; exceptions
Section 17:6-53.1 - Veterans' loans as legal investments
Section 17:6-53.2 - Mortgages securing veterans' loans not subject to s.s. 17:6-55, 17:6-59
Section 17:6-59.1 - Legality of investments; sale of exchanged securities
Section 17:9-9 - Depositories for public moneys; designation; effect upon officers liability
Section 17:9-41 - Definitions.
Section 17:9-42 - Security requirement for public depositories.
Section 17:9-43 - Powers of commissioner.
Section 17:9-43.1 - Eligible collateral requirement for certain public funds.
Section 17:9-43.2 - Designation of nonprofit organization as recipient of funds.
Section 17:9-44 - Amount of collateral required as security; exceptions.
Section 17:9-46 - Distribution of proceeds of liquidation of defaulting depository
Section 17:9-47 - Operative date.
Section 17:9A-2 - Application of act.
Section 17:9A-2.1 - Authority of commissioner relative to out-of-State supervisor
Section 17:9A-4 - Capital stock and surplus
Section 17:9A-5 - Reserve for organization expense
Section 17:9A-6 - Capital stock; par value and classes
Section 17:9A-6.1 - Authorized but unissued stock provided for
Section 17:9A-6.2 - Certificate of amendment, procedure, filing
Section 17:9A-6.3 - Consideration for issue; preemptive rights
Section 17:9A-7 - Incorporation of savings bank
Section 17:9A-8 - Capital deposits; payment
Section 17:9A-8.1 - Definitions
Section 17:9A-8.2 - Capital stock savings bank incorporation
Section 17:9A-8.3 - Capital stock; reserve fund; surplus
Section 17:9A-8.4 - Application for charter; provisions governing
Section 17:9A-8.5 - Provision for authorized but unissued stock
Section 17:9A-8.6 - Certificate of incorporation; amendments; provisions governing
Section 17:9A-8.7 - Bylaws; powers of stockholders; provisions governing
Section 17:9A-8.9 - Dividends; law applicable
Section 17:9A-8.10 - Stock options; law applicable
Section 17:9A-8.11 - Mergers with savings banks; provisions governing
Section 17:9A-8.12 - Savings bank laws control
Section 17:9A-8.13 - Savings bank; conversion into capital stock savings bank
Section 17:9A-8.14 - Plan of conversion
Section 17:9A-8.15 - Capital structure; converted bank
Section 17:9A-8.16 - Federal savings bank; conversion
Section 17:9A-8.17 - Rules and regulations
Section 17:9A-9 - Application for charter
Section 17:9A-10 - Hearing on application for charter; notice and publication
Section 17:9A-11 - Hearing on application for charter; approval
Section 17:9A-13 - Beginning of corporate existence; certificate of incorporation as evidence
Section 17:9A-14 - Certificate of authority
Section 17:9A-15 - Review of refusal to issue certificate of authority
Section 17:9A-17.1 - Definitions
Section 17:9A-17.2 - Conversion of capital stock savings bank, bank; proceedings
Section 17:9A-17.3 - Contents of application
Section 17:9A-17.4 - Requirements for conversion approval
Section 17:9A-17.5 - Other conditions for conversions under mergers
Section 17:9A-17.6 - Notification to applicant
Section 17:9A-17.7 - Filing of certificate of incorporation
Section 17:9A-18 - Names of banks, savings banks; use, certain, waiver.
Section 17:9A-18.1 - Persons ineligible to serve as officer, director, employee.
Section 17:9A-19 - Communication terminal facility; capital requirements
Section 17:9A-19.1 - Certain branch offices not affected by act
Section 17:9A-20.1 - Establishment, maintenance of out-of-State branch offices
Section 17:9A-20.2 - . Powers of out-of-State banks operating branch office in State
Section 17:9A-20.4 - Short title
Section 17:9A-20.5 - Establishment of trust office
Section 17:9A-21 - Termination of right to open, operate branch office; discontinuance
Section 17:9A-22 - Changing location of office
Section 17:9A-23 - Change of location from principal to branch office
Section 17:9A-23.1 - Auxiliary offices
Section 17:9A-23.2 - Auxiliary office, establishment, location
Section 17:9A-23.3 - Business which may be transacted at auxiliary office
Section 17:9A-23.4 - Business to be transacted with persons outside the structure
Section 17:9A-23.6 - Auxiliary office not deemed branch office
Section 17:9A-23.7 - Certain powers of banks not affected
Section 17:9A-23.8 - Distances, measurement for purposes of act
Section 17:9A-23.9 - Establishment of branch offices on army, navy or air force installations
Section 17:9A-23.11 - Branch offices, location, removal, interchange
Section 17:9A-23.12 - Law applicable to branch offices on army, navy or air force installations
Section 17:9A-23.13 - Bank defined
Section 17:9A-23.50 - Definitions relative to emergency banking
Section 17:9A-23.51 - Proclamation of emergency
Section 17:9A-23.52 - Powers of officers
Section 17:9A-23.53 - Notice to commissioner
Section 17:9A-23.54 - Immunity from liability
Section 17:9A-23.55 - Construction of act
Section 17:9A-23.56 - Regulations of commissioner
Section 17:9A-23.57 - Short title
Section 17:9A-24 - Powers of banks and savings banks
Section 17:9A-24b1 - Exercise of powers, rights, benefits, privileges
Section 17:9A-24.1 - Definitions
Section 17:9A-24.2 - Investment in bank service corporations
Section 17:9A-24.3 - Performance of services rendered by bank service corporations
Section 17:9A-24.4 - Regulations by commissioner; powers
Section 17:9A-24.5 - Conduct of other business by bank service corporation prohibited
Section 17:9A-24.6 - Receiving of bank services from other banking institution or other person
Section 17:9A-24.7 - Investments in stock of clearing corporations by qualified banks
Section 17:9A-24.8 - Powers conferred by act as in addition to other powers
Section 17:9A-24.9 - Additional powers of banks and savings banks
Section 17:9A-24.11 - Interest rate or other compensation
Section 17:9A-24.12 - Additional investment authority of banks
Section 17:9A-24.13 - Regulations
Section 17:9A-24.14 - Bank loans authorized for business enterprises
Section 17:9A-25 - Additional powers of banks.
Section 17:9A-25.1 - Banks; retirement benefits for officers and employees
Section 17:9A-25.3 - Preservation of dual banking system
Section 17:9A-25.4 - Banks defined
Section 17:9A-25.5 - Additional powers of banks
Section 17:9A-26 - Additional powers of savings banks
Section 17:9A-27 - Effect of exercise of certain powers; disclosure of information by commissioner
Section 17:9A-27.3 - Definitions
Section 17:9A-27.4 - Adoption of plan; scope of plan
Section 17:9A-27.5 - Provisions of plans
Section 17:9A-27.6 - Contributions
Section 17:9A-27.7 - Alteration and rescission of plan
Section 17:9A-27.8 - Methods of effecting plans
Section 17:9A-27.9 - Eligibility for retirement benefits
Section 17:9A-27.10 - Disposition of contributions of employee
Section 17:9A-27.11 - Disposition of contributions of employer
Section 17:9A-27.12 - Rights of creditors of bank
Section 17:9A-27.15 - Determination of eligibility for retirement
Section 17:9A-27.16 - Eligibility for retirement; permissive provisions
Section 17:9A-27.17 - Disposition of plans of predecessor bank
Section 17:9A-27.18 - Attachment and garnishment
Section 17:9A-27.19 - Delegation of administration of plan
Section 17:9A-27.20 - Continuance of payments
Section 17:9A-27.21 - Continuance of prior plans
Section 17:9A-27.22 - Approval of commissioner of adoption or alteration of plan
Section 17:9A-27.23 - Additional powers
Section 17:9A-27.24 - Retirement benefits not paid pursuant to plan
Section 17:9A-27.25 - Powers of commissioner
Section 17:9A-27.26 - Approval by commissioner
Section 17:9A-27.27 - Short title
Section 17:9A-27.50 - Stock option plan
Section 17:9A-27.51 - Filing copy of plan and certificate of adoption and approval
Section 17:9A-27.53 - Certificate of bank; findings of commissioner; approval
Section 17:9A-27.54 - Short title
Section 17:9A-28 - Agency and fiduciary powers
Section 17:9A-28.1 - Broker-dealer as custodian
Section 17:9A-28.2 - Purchase for trust accounts of bonds, notes, or other obligations
Section 17:9A-29 - Appointment by court or officer of qualified bank as fiduciary
Section 17:9A-30 - Security prerequisite to action as fiduciary
Section 17:9A-31 - Security fund
Section 17:9A-32 - Recourse to security fund
Section 17:9A-33 - Transfer of investments heretofore deposited
Section 17:9A-34 - Proof of qualification and security
Section 17:9A-35 - Trust funds
Section 17:9A-36 - Definitions
Section 17:9A-37 - Participation in common trust fund
Section 17:9A-37.1 - Single common trust fund
Section 17:9A-38 - Effect of trust instruments
Section 17:9A-39 - Cash balances
Section 17:9A-40 - Participations; valuation; general provisions
Section 17:9A-41 - Powers and obligations of banks
Section 17:9A-42 - Compensation
Section 17:9A-43 - Powers of commissioner
Section 17:9A-45 - Creditors' claims
Section 17:9A-47 - Members of Federal Reserve System
Section 17:9A-48 - Nonmembers of Federal Reserve System
Section 17:9A-49 - Definitions
Section 17:9A-50 - Ascertainment of net profits
Section 17:9A-51 - Transfers to surplus
Section 17:9A-52 - Dividends on capital stock
Section 17:9A-53 - Scope of article; definitions; interest
Section 17:9A-53.2 - Definitions
Section 17:9A-53.3 - Educational loans, authorization
Section 17:9A-53.5 - Limitations on amount of educational loan
Section 17:9A-53.6 - Limitation on duration of loan
Section 17:9A-53.7 - Security; prohibition; endorsers or guarantors
Section 17:9A-53.8 - Disbursement in more than one advance; principal amount of loan
Section 17:9A-53.9 - Repayment; terms and conditions
Section 17:9A-53.10 - Credit life and health insurance; authorization to provide
Section 17:9A-53.11 - Loans or extension of credit not subject to act
Section 17:9A-54 - Limitations and conditions
Section 17:9A-55 - Permissible provisions and actions
Section 17:9A-56 - Rebates on prepayment
Section 17:9A-57 - Statement on instrument
Section 17:9A-58 - Exempt transactions
Section 17:9A-59 - Penalty for violations
Section 17:9A-59.1 - Advance loans
Section 17:9A-59.2 - Written contract; necessity; effective date; contents
Section 17:9A-59.3 - Authorization as evidence of loan
Section 17:9A-59.4 - Statement to borrower; contents
Section 17:9A-59.5 - Periodic payments; amount; application
Section 17:9A-59.6 - Interest rate; insurance premiums; credit cards; annual fee
Section 17:9A-59.7 - Late charges
Section 17:9A-59.8 - Service charges
Section 17:9A-59.10 - Security
Section 17:9A-59.11 - Limitation upon liability to bank on advance loans
Section 17:9A-59.12 - Violation of limitations upon liability; penalty
Section 17:9A-59.13 - Collection of excess interest rates or unlawful taking of security; penalty
Section 17:9A-59.14 - Bank defined
Section 17:9A-59.15 - Effective date
Section 17:9A-59.16 - Guarantee of payment
Section 17:9A-59.17 - Short title
Section 17:9A-59.25 - Definitions
Section 17:9A-59.27 - Interest rate
Section 17:9A-59.28 - Note; amount; installment payments; repayment in advance; refund
Section 17:9A-59.29 - Limitation on loans
Section 17:9A-59.30 - Security for payment; costs and insurance
Section 17:9A-59.31 - Collection fee schedule
Section 17:9A-59.32 - Acceleration of maturity
Section 17:9A-59.33 - Unauthorized charges prohibited
Section 17:9A-59.34 - Use of proceeds for repayment of other loan
Section 17:9A-59.36 - Statement that loan was made pursuant to small business loan act required
Section 17:9A-59.37 - Violation; penalty; civil action
Section 17:9A-59.38 - Application of act
Section 17:9A-59.39 - Short title
Section 17:9A-59.40 - Loan to depositor in amount of and guaranteed by deposit
Section 17:9A-60 - Definitions
Section 17:9A-61 - Unlimited liability
Section 17:9A-62 - Limitations on liability
Section 17:9A-63 - Exempt transactions
Section 17:9A-63.1 - Excess charge
Section 17:9A-64.1 - Origination, acquisition of mortgage loans by bank, savings bank
Section 17:9A-70.1 - Definitions
Section 17:9A-70.2 - Credit insurance on borrower
Section 17:9A-71 - Definitions
Section 17:9A-71.1 - Compliance of bank, savings bank with liability of directors, officers
Section 17:9A-72 - Prerequisites to incurring liability; amounts
Section 17:9A-74 - Exempt transactions
Section 17:9A-75 - Violations; penalties; liability
Section 17:9A-76 - By-laws; adoption
Section 17:9A-77 - By-laws; limitations on powers of directors
Section 17:9A-78 - By-laws; amendments; repeal; notice
Section 17:9A-79 - Annual meetings; notice
Section 17:9A-79.1 - Written consents
Section 17:9A-80 - Special meetings; call
Section 17:9A-81 - Stockholders' meetings; notice.
Section 17:9A-82 - Special meetings; failure to issue call; action by commissioner
Section 17:9A-83 - Place and hour of meeting; adjournments.
Section 17:9A-84 - List of stockholders
Section 17:9A-85 - Voting of treasury stock
Section 17:9A-86 - Voting of stock subject to pledge
Section 17:9A-87 - Voting of stock held by a corporation
Section 17:9A-88 - Voting of stock held by joint tenants or tenants in common
Section 17:9A-89 - Voting stock held by fiduciaries
Section 17:9A-90 - Voting in person or by proxy
Section 17:9A-90.1 - Voting trusts
Section 17:9A-92 - Judges of election
Section 17:9A-93 - Presiding officer and secretary of meeting
Section 17:9A-94 - Capital stock; voting rights
Section 17:9A-95 - Summary review of elections by Superior Court
Section 17:9A-96 - Record date
Section 17:9A-97 - Inspection of books and records
Section 17:9A-98 - Stock certificates; transfers of stock; facsimile signatures
Section 17:9A-99 - Preemptive rights of stockholders to purchase new stock
Section 17:9A-100 - Liability of stockholders
Section 17:9A-101 - Directors; number; method of determination
Section 17:9A-102 - Directors; classification; election; vacancies; tenure.
Section 17:9A-103 - Directors; stock ownership, oath
Section 17:9A-104 - Directors; disqualification
Section 17:9A-105 - Directors; quorum; actions
Section 17:9A-106 - Directors; compensation
Section 17:9A-107 - Chairman of board of directors
Section 17:9A-108 - Directors; executive committee
Section 17:9A-109 - Directors; qualified bank; trust committee
Section 17:9A-110 - Directors; other committees
Section 17:9A-111 - Officers; election; appointment; limitation
Section 17:9A-112 - Officers; tenure; removal
Section 17:9A-113 - Officers; vacancies
Section 17:9A-115 - Bonding of directors, officers, employees; temporary waiver
Section 17:9A-116 - Nature of amendments
Section 17:9A-117 - Procedure for amending certificate of incorporation
Section 17:9A-117.1 - Restated certificates
Section 17:9A-118 - Consolidation of amendments
Section 17:9A-119 - Increase in capital stock
Section 17:9A-120 - Assumption of fiduciary powers
Section 17:9A-121 - Decrease of capital stock
Section 17:9A-122 - Limitations
Section 17:9A-123 - Certificate as evidence
Section 17:9A-125 - Certificates of incorporation and of amendment and merger agreements; provisions
Section 17:9A-126 - Priorities; preferences; rights; limitations
Section 17:9A-128 - Priority on dissolution
Section 17:9A-129 - Consideration for preferred stock
Section 17:9A-130 - Retirement or conversion
Section 17:9A-131 - Application of article; limitation
Section 17:9A-131.1 - Borrowing money to retire preferred stock
Section 17:9A-131.2 - Debentures or capital notes
Section 17:9A-131.3 - Borrowing to be pursuant to act only
Section 17:9A-131.20 - Definitions.
Section 17:9A-131.21 - Issuance of convertible or nonconvertible capital notes by banks
Section 17:9A-131.24 - Nonconvertible capital notes; issuance pursuant to resolution
Section 17:9A-131.26 - Sale of convertible capital notes
Section 17:9A-131.27 - Certificate stating amount of capital notes converted; filing
Section 17:9A-131.28 - Approval of issuance of capital notes by commissioner
Section 17:9A-131.29 - Inclusion of amount owing on capital notes in bank's capital funds
Section 17:9A-131.30 - Issuance of capital notes, debentures.