---
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).