New Jersey Administrative Code
Title 3 - BANKING
Chapter 1 - GENERAL PROVISIONS
- Subchapter 1 - INTEREST AND USURY
- Subchapter 2 - PROCEDURAL RULES
- Subchapter 3 - MORTGAGE LOANS IN DISASTER AREAS
- Subchapter 4 THROUGH 5 - RESERVED
- Subchapter 6 - FEES
- Subchapter 7 - MISCELLANEOUS
- Subchapter 8 - RESERVED
- Subchapter 9 - HOME MORTGAGE DISCLOSURE
- Subchapter 10 - RESTRICTIONS ON REAL PROPERTY TRANSACTIONS
- Subchapter 11 - RESTRICTIONS ON LOANS INVOLVING AFFILIATED PERSONS
- Subchapter 12 - MULTIPLE PARTY DEPOSIT ACCOUNTS
- Subchapter 13 - INSURANCE ACTIVITIES
- Subchapter 14 - REVOLVING CREDIT EQUITY LOANS
- Subchapter 15 - AVAILABILITY OF FUNDS
- Subchapter 16 - MORTGAGE LOANS, FEES, OBLIGATIONS
- Subchapter 17 - AUTOMATED TELLER MACHINES ATM
- Subchapter 18 - FOREIGN BANKS AND ASSOCIATIONS; REGISTRATION OF SERVICE FACILITIES
- Subchapter 19 - NEW JERSEY CONSUMER CHECKING ACCOUNTS
- Subchapter 20 - REQUESTS FOR DISCLOSURE OF SOCIAL SECURITY NUMBERS
- Appendix A
CHAPTER SOURCE AND
EFFECTIVE DATE:
Effective: January 27, 2022.
See: 54 N.J.R.
353(a).
CHAPTER HISTORICAL NOTE:
Subchapter 3, Mortgage
Loans in Disaster Areas, was adopted and became effective prior to September 1,
1969.
Subchapter 2, Procedural Rules, was adopted as R.1970 d.97,
effective August 13, 1970. See: 2 N.J.R. 70(a).
Subchapter 4,
Governmental Unit Deposit Protection, was adopted as R.1971 d.9, effective January
15, 1971. See: 2 N.J.R. 97(d), 3 N.J.R. 19(c).
Subchapter 5, Mortgage
Applicant's Birth Control Practices, was adopted as R.1973 d.166, effective June 21,
1973. See: 5 N.J.R. 136(a), 5 N.J.R. 216(b).
Subchapter 6, Fees, was
adopted as new rules by R.1974 d.221, effective August 9, 1974. See: 6 N.J.R.
254(c), 6 N.J.R. 342(a).
Subchapter 7, Miscellaneous Fees, was adopted
as new rules by R.1975 d.120, effective May 14, 1975. See: 7 N.J.R. 126(c), 7 N.J.R.
247(c).
Subchapter 9, Home Mortgage Disclosure, was adopted as new
rules by R.1977 d.308, effective August 22, 1977. See: 9 N.J.R. 303(c), 9 N.J.R.
405(c).
Subchapter 11, Restrictions on Loans Involving Affiliated
Persons, was adopted as new rules by R.1977 d.471, effective December 15, 1977. See:
9 N.J.R. 404(b), 10 N.J.R. 3(c).
Subchapter 10, Restrictions on Real
Property Transactions, was adopted as new rules by R.1978 d.55, effective February
21, 1978. See: 9 N.J.R. 404(c), 10 N.J.R. 92(c).
Subchapter 12,
Multiple Party Deposit Accounts, was adopted as new rules by R.1980 d.480, effective
November 1, 1980. See: 12 N.J.R. 378(c), 12 N.J.R. 686(d).
Subchapter
14, Revolving Credit Equity Loans, was adopted as R.1983 d.378, effective September
19, 1983. See: 15 N.J.R. 1147(a), 15 N.J.R. 1575(b).
Pursuant to
Executive Order No. 66(1978), Subchapter 9, Home Mortgage Disclosure, was readopted
effective August 26, 1983 as R.1983 d.379. See: 15 N.J.R. 1146(a), 15 N.J.R.
1575(a).
Subchapter 13, Insurance Activities, was adopted as R.1983
d.566, effective December 5, 1983. See: 15 N.J.R. 820(a), 15 N.J.R. 2033(a).
Pursuant to Executive Order No. 66(1978), Subchapter 10, Restrictions
on Real Property Transactions, was readopted as R.1984 d.63, effective March 19,
1984. See: 16 N.J.R. 2(a), 16 N.J.R. 520(a).
Pursuant to Executive
Order No. 66(1978), Subchapter 12, Multiple Party Deposit Accounts, was readopted as
R.1985 d.660, effective January 6, 1986. See: 17 N.J.R. 2488(a), 18 N.J.R. 77(b).
Subchapter 15, Availability of Funds, was adopted as R.1986 d.73,
effective March 17, 1986. See: 18 N.J.R. 13(a), 18 N.J.R. 553(a).
Subchapter 16 was adopted as R.1989 d.191, effective April 17, 1989, operative July
16, 1989. See: 20 N.J.R. 1021(b), 21 N.J.R. 981(c).
Pursuant to
Executive Order No. 66(1978), Chapter 1, General Provisions, was readopted as R.1991
d.48, effective January 4, 1991. See: 22 N.J.R. 3425(a), 23 N.J.R. 294(b).
Subchapter 17, Automated Teller Machines (ATM), was adopted as R.1991
d.244, effective May 6, 1991. See: 23 N.J.R. 642(a), 23 N.J.R. 1408(b).
Subchapter 18, Foreign Banks and Associations; Registration of Service Facilities,
was adopted as R.1991 d.347, effective July 1, 1991. See: 23 N.J.R. 1233(a), 23
N.J.R. 2029(a).
Subchapter 19, New Jersey Consumer Checking Accounts,
was adopted as R.1992 d.303, effective August 3, 1992. See: 24 N.J.R. 1667(a), 24
N.J.R. 2710(a).
The Executive Order No. 66(1978) expiration date for
Chapter 1, General Provisions, was extended by gubernatorial directive from January
4, 1996 to April 4, 1996. See: 28 N.J.R. 815(a).
Pursuant to Executive
Order No. 66(1978), Chapter 1, General Provisions, was readopted as R.1996 d.168,
effective March 6, 1996. See: 28 N.J.R. 3(a), 28 N.J.R. 1830(a).
Pursuant to Executive Order No. 66(1978), Subchapter 5, Mortgage Applicant's Birth
Control Practices, expired on April 4, 1996.
Subchapter 20, Requests
for Disclosure of Social Security Numbers, was adopted as new rules by R.1997 d.185,
effective May 5, 1997. See: 29 N.J.R. 284(a), 29 N.J.R. 1691(a).
Pursuant to Executive Order No. 66(1978), Chapter 1, General Provisions, was
readopted as R.2001 d.112, effective March 6, 2001, and Subchapter 8, Credit or Loan
Applications, was repealed by R.2001 d.112, effective April 2, 2001. See: 33 N.J.R.
213(a), 33 N.J.R. 1087(a).
Subchapter 7, Miscellaneous Fees, was
renamed Miscellaneous by R.2006 d.233, effective June 19, 2006. See: 38 N.J.R. 5(a),
38 N.J.R. 2671(a).
Chapter 1, General Provisions, was readopted as
R.2006 d.246, effective June 8, 2006. See: 38 N.J.R. 1493(a), 38 N.J.R. 2795(a).
Subchapter 4, Governmental Unit Deposit Protection, was repealed by
R.2010 d.253, effective November 1, 2010. See: 42 N.J.R. 1447(a), 42 N.J.R. 2605(a).
In accordance with N.J.S.A. 52:14B-5.1b, Chapter 1, General Provisions,
was scheduled to expire on June 8, 2013. See: 43 N.J.R. 1203(a).
In
accordance with N.J.S.A. 52:14B-5.1c, Chapter 1, General Provisions, was scheduled
to expire on December 5, 2013. See: 43 N.J.R. 1294(a).
In accordance
with N.J.S.A. 52:14B-5.1d, the expiration date of Chapter 1, General Provisions, was
extended by gubernatorial directive from December 5, 2013 to June 5, 2015. See: 46
N.J.R. 74(a).
Chapter 1, General Provisions, was readopted as R.2015
d.055, effective March 11, 2015. See: 46 N.J.R 1503(a), 47 N.J.R. 709(a).
Chapter 1, General Provisions, was readopted, effective January 27,
2022. See: Source and Effective Date.
CHAPTER AUTHORITY:
N.J.S.A. 17:1-8, 17:1-8.1, 17:2A-1 et seq., 17:9-41, 17:9A-1 et seq., 17:9A-9, 17:9A-24a, 17:9A-25.2, 17:9A-316, 17:11C-49 and 89, 17:12B-1 et seq., 17:16F-11, 17:16I-1 et seq., 17:16L-1 et seq., 17:16N-1 et seq., and 31:1-1.