---
type: "Bill"
title: "Prohibits tax preparers from engaging in certain practices involving refund anticipation checks and loans."
description: "Prohibits tax preparers from engaging in certain practices involving refund anticipation checks and loans."
jurisdiction: "us/states/nj"
legislature: "New Jersey Legislature"
session: "220"
identifier: "S 891"
citation: "New Jersey S 891 (220)"
classification: ["bill"]
subjects: ["CONSUMER PRO", "INCOME TAX"]
status: "enacted"
primary_sponsors: ["Moriarty, Paul D.", "Mukherji, Raj", "Pou, Nellie", "Scutari, Nicholas P.", "Stanley, Sterley S."]
version_count: 2
action_count: 8
vote_count: 2
first_action: "2022-01-27T05:00:00+00:00"
last_action: "2022-08-05T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/578fd0f6-2c49-40ac-b872-8db9807169e3"
source_url: "http://www.njleg.state.nj.us/downloads.asp"
source_hash: "9abb995c43c4f3f3b01496eeb0c4d584243d245df5394d4b6e3c62b0ecfe4f68"
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 891 (220) — Prohibits tax preparers from engaging in certain practices involving refund anticipation checks and loans.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced Version** (committee substitute) — [source](https://pub.njleg.state.nj.us/Bills/2022/S1000/891_I1.HTM)
2. **Reprint SCM 2/10/22 1R** (committee substitute) — [source](https://pub.njleg.state.nj.us/Bills/2022/S1000/891_R1.HTM)

## Votes

- 3RDG FINAL PASSAGE — **38–0** (pass) · upper
- Reported out of Senate committee with amendments — **5–0** (pass) · upper

## Sponsors

- Moriarty, Paul D. — primary (person)
- Mukherji, Raj — primary (person)
- Pou, Nellie — primary (person)
- Scutari, Nicholas P. — primary (person)
- Stanley, Sterley S. — primary (person)
- Giblin, Thomas P. — cosponsor (person)
- Gopal, Vin — cosponsor (person)
- McKnight, Angela V. — cosponsor (person)
- Quijano, Annette — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2022-01-27T05:00:00+00:00** Introduced in the Senate, Referred to Senate Commerce Committee `introduction, referral-committee`
- **2022-02-10T05:00:00+00:00** Reported out of Senate Committee with Amendments, 2nd Reading `committee-passage`
- **2022-03-03T05:00:00+00:00** Passed Senate (38-0) `passage`
- **2022-03-07T05:00:00+00:00** Received in the Assembly, Referred to Assembly Regulated Professions Committee `referral-committee`
- **2022-06-02T04:00:00+00:00** Reported out of Assembly Committee, 2nd Reading `committee-passage`
- **2022-06-16T04:00:00+00:00** Substituted for A1557 (2R)
- **2022-06-16T04:00:00+00:00** Passed Assembly (Passed Both Houses) (76-1-0) `passage`
- **2022-08-05T04:00:00+00:00** Approved P.L.2022, c.90. `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/578fd0f6-2c49-40ac-b872-8db9807169e3`. Confidence: reported (aggregated from official New Jersey legislature records).