Legislation: batch C — MO MS MT NC ND NE NH NJ NM NV

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/nj/218/s-3206.md

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+---
+type: "Bill"
+title: "Establishes \"Unbanked and Underbanked Consumers Study Commission.\""
+description: "Establishes \"Unbanked and Underbanked Consumers Study Commission.\""
+jurisdiction: "us/states/nj"
+legislature: "New Jersey Legislature"
+session: "218"
+identifier: "S 3206"
+citation: "New Jersey S 3206 (218)"
+classification: ["bill"]
+subjects: ["BANKING", "COMMISSIONS", "CONSUMER FIN"]
+status: "enacted"
+primary_sponsors: ["Cruz-Perez, Nilsa", "Lopez, Yvonne", "McKeon, John F.", "Murphy, Carol A.", "Pou, Nellie"]
+version_count: 1
+action_count: 8
+vote_count: 4
+first_action: "2018-11-26T05:00:00+00:00"
+last_action: "2020-01-13T05:00:00+00:00"
+source: "openstates"
+source_identifier: "ocd-bill/a21f9312-9a06-455f-9660-12194909039c"
+source_url: "http://www.njleg.state.nj.us/downloads.asp"
+source_hash: "c3d712625e1b6ac99893e7ad66a5b2a4d5eba0c6d3051b2e8307a78870afcc51"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-nj"]
+---
+
+# New Jersey S 3206 (218) — Establishes "Unbanked and Underbanked Consumers Study Commission."
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **Introduced Version** (committee substitute) — [source](http://www.njleg.state.nj.us/2018/Bills/S3500/3206_I1.HTM)
+
+## Votes
+
+- Reported favorably out of committee — **5–0** (pass) · upper
+- 3RDG FINAL PASSAGE — **75–2** (pass) · lower
+- 3RDG FINAL PASSAGE — **40–0** (pass) · upper
+- Reported favorably out of committee — **12–0** (pass) · lower
+
+## Sponsors
+
+- Cruz-Perez, Nilsa — primary (person)
+- Lopez, Yvonne — primary (person)
+- McKeon, John F. — primary (person)
+- Murphy, Carol A. — primary (person)
+- Pou, Nellie — primary (person)
+- Ruiz, M. Teresa — cosponsor (person)
+- Schaer, Gary S. — cosponsor (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2018-11-26T05:00:00+00:00** Introduced in the Senate, Referred to Senate Commerce Committee `introduction, referral-committee`
+- **2018-12-03T05:00:00+00:00** Reported out of Senate Committee, 2nd Reading `committee-passage`
+- **2018-12-17T05:00:00+00:00** Passed Senate (40-0) `passage`
+- **2019-01-15T05:00:00+00:00** Received in the Assembly, Referred to Assembly Financial Institutions and Insurance Committee `referral-committee`
+- **2019-01-28T05:00:00+00:00** Reported out of Assembly Committee, 2nd Reading `committee-passage`
+- **2019-12-16T05:00:00+00:00** Substituted for A4835
+- **2019-12-16T05:00:00+00:00** Passed Assembly (Passed Both Houses) (75-2-0) `passage`
+- **2020-01-13T05:00:00+00:00** Approved P.L.2019, c.318. `executive-signature`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/a21f9312-9a06-455f-9660-12194909039c`. Confidence: reported (aggregated from official New Jersey legislature records).
+