New Jersey Statutes Title 17. Corporations and Institutions for Finance and Insurance 17 § 12B-37

a. Any State association shall have the right to make written application to the commissioner for permission to establish and operate an agency or agencies as defined in section 9 of this act   1 subject to the following requirements:

b. Notwithstanding the provisions of subsection a. of this section, any State association may, without approval of the commissioner, to the extent authorized by its board of directors, establish or maintain, within the same state as the principal office of the association, agencies which only service and originate, but do not approve, loans and contracts or which manage or sell real estate owned by the association, or both.  Except for payment of savings accounts and loan approval services, offering of any services not listed in this subsection may be approved by the commissioner.