New Jersey 222nd Legislature Status: Introduced 1 D cosponsors

S 4486 — Requires, or authorizes, as appropriate, financial institutions to take certain action upon certain financial transactions made by vulnerable or senior customer.

Last action — INT 1RS REF SCM

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed General Assembly
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced June 22, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Not enough signal yet

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill addresses financial transactions involving vulnerable or senior customers.

This bill requires or allows financial institutions to take specific actions when handling transactions by vulnerable or senior individuals. It aims to provide additional safeguards in these banking situations.

What this means for you
  • Consumers: This means consumers who are seniors or considered vulnerable will have additional protections during financial transactions.

Summary

Financial transactions by vulnerable or senior customer-concerns

Bill Text

  • Introduced View text Current html June 23, 2026

Action History

  1. INT 1RS REF SCM

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 119 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (119)

119 members have not signed on to this bill.

Show all 119 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

public-safety finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 4486 do?
Financial transactions by vulnerable or senior customer-concerns
Who sponsors S 4486?
S 4486 is sponsored by McKeon, John F. (Democrat).
What is the current status of S 4486?
This bill has been introduced in the Senate. Introduced June 22, 2026. It must pass committee before a floor vote.
Where can I track S 4486?
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Last checked for changes 3 months ago · updated continuously

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