New Jersey Statutes Title 2A. Administration of Civil and Criminal Justice 2A § 65D-6

a. In response to a request or application for a check or account by the person;

b. As a substitute for a check or account previously issued to the person to whom the check is mailed or otherwise delivered; or

c. A check related to a consumer credit transaction or consumer loan business issued or provided by an insured depository institution as defined in 12 U.S.C. s.1813, a licensee under the New Jersey Consumer Finance Licensing Act, sections 1 through 49 of P.L.1996, c. 157 (C.17:11C-1 et seq.), or other financial institution authorized to do business by the New Jersey Department of Banking and Insurance.