The State of New Jersey
NJ Department of Banking and Insurance
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Home > Banking Division > Banking Licensees > Check Casher Fingerprinting Process
Check Casher License Candidate Fingerprinting
New Fees Effective December 9, 2013
alert Please Note:
MorphoTrust, the Department’s fingerprinting vendor, is experiencing technical difficulties which are resulting in longer wait periods when contacting them by phone. These difficulties are also causing fingerprinting appointments to be extended out further into the future than usual. The Department has been assured that these difficulties are being actively addressed, and a full resolution is anticipated to occur in the near future. Thank you for your patience during this difficult period.


A
LL Candidates for New Jersey Check Casher Licenses
are required to complete a fingerprinting process as a condition of securing a Check Casher license.

This requirement affects all new applicants for Check Casher licenses. This includes sole proprietors as well as all officers, directors, members, partners, managers and substantial stockholders of corporations, limited liability companies and partnerships seeking business entity Check Casher licenses.


Applications for licensure WILL NOT be accepted without a fully completed application, the appropriate application fee(s), and evidence of the completion of the fingerprinting process for the company principals. 

Evidence of completion of the fingerprinting process MUST include:

(1) a copy of the individual’s completed Universal Form (IDG_NJAPP_110113); and

(2) a copy of the payment receipt issued by MorphoTrust, the fingerprint LiveScan vendor, at the time of completion of the LiveScan printing.

In addition, ALL EMPLOYEES of Check Casher licensees MUST be fingerprinted and MUST file certain documentation with the Licensing Services Bureau, Banking.

Effective immediately, check casher employees MUST first complete the fingerprinting process.  After completion of the fingerprinting process, each new employee MUST submit to the Licensing Services Bureau, Banking the following:

(1) completed personal certification;

(2) 2” X 2” passport style photograph;

(3) a copy of the individual’s completed Universal Form (IDG_NJAPP_110113); and

(4) a copy of the payment receipt issued by MorphoTrust at the time of completion of the LiveScan fingerprinting. 

NOTE: Requests for Check Casher employees submitted without all requested documentation will be returned without processing.

 
To Get Fingerprinted...   Please Note:
  Candidates for Check Casher licensure – officers, directors, members, partners and substantial stockholders – who do not live, work or go to school in New Jersey OR who do not live, work or go to school within ten (10) miles of any of New Jersey’s borders MUST contact the Licensing Services Bureau, Banking in writing by fax at (609) 633-0822 or by e-mail at blicbc@dobi.state.nj.us to request information and forms for completing the fingerprinting process in their local jurisdictions. 

More information...
 
Instructions for Live Scan: Electronic Fingerprinting Process
 

Criminal History Background Investigation

New Jersey law requires that every applicant and any officer, director, partner or owner of a controlling interest of a corporation, limited liability company or partnership applying for a Check Casher license issued by the Division of Banking, New Jersey Department of Banking and Insurance must submit fingerprints and written consent for a criminal history record check. Previously, fingerprinting involved the manual ink and roll method; however new technology allows for electronic impressions.

To provide for a timely and efficient criminal history background review, the Department will be utilizing the State Police coordinated non-criminal justice fingerprinting process known as Live Scan. The State of New Jersey has contracted with a vendor, MorphoTrust, to perform this service. The company has established permanent sites throughout the State as well as several mobile units available to meet their contractual agreement.

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How to Schedule an Appointment

Prior to contacting MorphoTrust, each candidate must complete the appropriate Universal Form (IDG_NJAPP_110113) depending upon the license type they are seeking. You MUST use the correct Universal Form in order for the results to be properly received by Licensing Services, Banking. Use ONLY the form linked from this page which identifies the type of license sought as “Check Cashing License/Employment.”

Appointment scheduling is available via the Internet 24 hours per day, 7 days per week. The Department encourages everyone to schedule their appointment using the MorphoTrust web site to avoid telephone holding times.

For applicants who do not have internet access, appointments are available through the toll-free call center at 1-877-503-5981 on a first call, first served basis Monday through Friday, 8 a.m. to 5 p.m. and Saturday, 8 a.m. to noon. Hearing impaired scheduling is available at 1-800-673-0353. English and Spanish operators are available through the Call Center.

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Please note:
  • Make sure that you are completing the correct Universal Form (IDG_NJAPP_110113) by identifying the license type in section #4 on the form.
  • Once the proper form is completed you may schedule an appointment.
  • Do NOT discard the Universal form as it will need to be presented at your scheduled appointment.
Processing Fee

All applicants must pay the criminal history record check fee directly to MorphoTrust. The total cost for this process is $66.50. Payment will be required at the time of scheduling. Checks are not accepted by MorphoTrust. MorphoTrust will accept Money Orders and Credit Cards. Payment instructions are relayed during the scheduling process but have the credit card or money order ready prior to contacting MorphoTrust.

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Cancellation Fee

A fee of $10 is charged to cover the cost of a scheduled appointment for applicants who do not cancel by noon on the business day prior to your scheduled appointment (Saturday noon for Monday appointments). The $10 fee also applies to applicants who are turned away from the printing sites due to their inability to present proper ID or who fail to present the proper and current version of the Universal Fingerprint form. All refunds are issued by MorphoTrust.

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Selecting the Proper Universal Form

The Division of Banking issues multiple license types that require fingerprinting. The proper Universal Form (IDG_NJAPP_110113) must be completed for scheduling and presented at the appointment or you will be turned away from the scanning center and charged a $10 fee, as described above. Each license type is identified in field #4 of the Universal Form. You must use the Universal form where field #4 listsCheck Cashing License/Employment.” In addition, please be sure to use the most current version of the form.

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Proper Identification

ACCEPTABLE ID REQUIREMENTS - ID MUST include Photo, Name, Address (Home/Employer) and Date of Birth. Acceptable ID MUST be issued by a Federal, State, County, or Municipal entity for Identification purposes. Examples of acceptable ID are 1) Valid Photo Driver's License or Valid Photo ID issued by any State DMV or NJ MVC, 2) Passport. Acceptable ID MUST meet all of the underlined requirements above and MUST be present on one (1) ID. Combinations of documents are NOT acceptable. If acceptable ID is not presented you will not be fingerprinted.

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Please note:

If you live, work or go to school in New Jersey you MUST be fingerprinted in person at one of the MorphoTrust facilities. 

If you do NOT live, work or go to school in New Jersey and if you are NOT located within ten miles of one of New Jersey’s borders, you must contact the Licensing Services Bureau, Banking in writing by fax at (609) 633-0822 or by e-mail at blicbc@dobi.state.nj.us for appropriate information and forms for completion of the required fingerprinting. 

More information...

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Frequently Asked Questions
 
Who needs to schedule a fingerprint scan for criminal history purposes as a condition of receiving a Division of  Banking license?
  • All new applicants for New Jersey Banking business entity licenses which include any sole proprietor or individual who will serve as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership applying for a license to conduct business as a New Jersey Consumer Lender, Sales Finance Company, Check Casher, Money Transmitter, Foreign Money Transmitter, Pawnbroker, Residential Mortgage Lender, Correspondent Residential Mortgage Lender, or Residential Mortgage Broker business entity. Any new individual who will serve as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership that is an existing licensed New Jersey Consumer Lender, Sales Finance Company, Check Casher, Money Transmitter, Foreign Money Transmitter, Pawnbroker, Residential Mortgage Lender, Correspondent Residential Mortgage Lender or Residential Mortgage Broker.
  • All individuals to be employed by a licensed New Jersey Check Casher pursuant to the NJ Check Cashers Regulatory Act of 1993.
  • All individuals to be licensed as Mortgage Loan Originators or Qualified Individual Residential Mortgage Lenders, Qualified Individual Correspondent Residential Mortgage Lenders or Qualified Individual Residential Mortgage Brokers pursuant to the NJ Residential Mortgage Lending Act.
 
If an individual has been fingerprinted in the State of New Jersey for another purpose, is the individual required to go through the process again?

Yes.  Regulations concerning dissemination of criminal history information prohibit its use outside the intended purpose. Federal and State security and privacy regulations dictate that dissemination of this information may only be for the purpose expressed in the form field identified as "Reason Fingerprinted." Sharing of criminal history information is therefore prohibited.
 
How do I begin the process?

The first step is to download the current version of the Universal Form (IDG_NJAPP_110113). Following completion of the proper Universal Form, contact MorphoTrust, the LiveScan fingerprint vendor for New Jersey, to schedule an appointment. We strongly suggest that you use the MorphoTrust web site at www.bioapplicant.com/nj. Don't forget to have your credit card or money order ready when scheduling the appointment.
 
What do I bring to the scanning center?

Scanning centers are located throughout the State. You may identify the most convenient location by accessing MorphoTrust's web site.
  1. You must bring to the scanning center photo identification. ID MUST include Photo, Name, Address (Home/Employer) and Date of Birth. Acceptable ID MUST be issued by a Federal, State, County, or Municipal entity for Identification purposes. Examples of acceptable ID are 1) Valid Photo Driver's License or Valid Photo ID issued by any State DMV or NJ MVC, 2) Passport. Acceptable ID MUST meet all of the underlined requirements above and MUST be present on one (1) ID. Combinations of documents are NOT acceptable. If acceptable ID is not presented you will not be fingerprinted.
  2. You must also bring a properly completed Universal Form (IDG_NJAPP_110113).
  3. The money order identified during the scheduling process, if you did not opt to pay by credit card.
 
When should I schedule the fingerprint scan?

The Department suggests that the following guidance be used in scheduling fingerprint scans for individuals who live, work or go to school in New Jersey OR live, work or go to school within ten (10) miles of any border of New Jersey:
  • Any individual who will serve as a sole proprietor or as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership applying for a license to conduct business as a New Jersey Consumer Lender, Sales Finance Company, Check Casher, Money Transmitter, Foreign Money Transmitter, or Pawnbroker business entity should schedule an appointment in sufficient time to have the fingerprint scan completed prior to the submission of the license application.  All individuals to be employed by a licensed New Jersey Check Casher should schedule the fingerprint scan at the time of accepting such employment. Any individual who will serve as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership applying for a license to conduct business as a Residential Mortgage Lender, Correspondent Residential Mortgage Lender or Residential Mortgage Broker business entity should schedule an appointment in sufficient time to have the fingerprint scan completed within five days of the submission of a license filing through the Nationwide Mortgage Licensing System (“NMLS”).
  • Any individual in a category listed above who does NOT live, work or go to school in New Jersey OR live, work or go to school within ten (10) miles of any New Jersey border – see below for instructions on completing a fingerprint process.

The scheduled appointment will be within 7 to 10 days of completing the scheduling process. Remember that we suggest you take advantage of MorphoTrust's online registration process.

 
What must I do to have my fingerprints processed if I do NOT live, work or go to school in New Jersey OR within ten (10) miles of any of New Jersey’s borders?

If you do NOT live, work or go to school in New Jersey OR if you do NOT live, work or go to school within ten (10) miles of any of New Jersey’s borders, you must contact the Licensing Services Bureau, Banking in writing by fax at (609) 633-0822 or by e-mail at blicbc@dobi.state.nj.us for appropriate information and forms for completion of the required fingerprinting. The written request MUST include the name and mailing address of the company as well as identification of the individuals who will need fingerprinting and a contact telephone number. NOTE: This process will include the use of “ink and roll” fingerprint cards that can be obtained ONLY through the Licensing Services Bureau, Banking, and that must be taken to the individual’s local police/state police jurisdiction for completion.

Individuals must follow the instructions in the letter they will receive from this Department regarding items to be returned.

IMPORTANT: The above process MUST be completed prior to the submission of a license application. Therefore, you MUST allow sufficient time for this process to be completed prior to the filing of an application as fingerprinting is now a condition of licensure.  You are REMINDED that it is your responsibility to ensure that there is adequate processing time available before any anticipated date for commencement of licensed business.

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New Jersey Department of Banking and Insurance