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Home > Banking Division > Banking Licensees > Check Casher Fingerprinting Process
Check Casher License Candidate Fingerprinting

New Fees Effective June 1, 2019

ALL Candidates for New Jersey Check Casher Licenses
are required to complete a fingerprinting process known as Live Scan 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_051719_V1); and

(2) a copy of the payment receipt issued by IDEMIA, the Live Scan fingerprint vendor, at the time of completion of the fingerprinting.

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_051719_V1); and

(4) a copy of the payment receipt issued by IDEMIA, the Live Scan fingerprint vendor, at the time of completion of the 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) 292-1416 or by e-mail at blicbc@dobi.nj.gov 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, IDEMIA, 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.


Applicant Notification
and Record Challenge:
 
Your fingerprints will be used to check the criminal history records of the FBI.  You have the opportunity to complete or challenge the accuracy of the information contained in the FBI identification record.  The procedure for obtaining a change, correction, or updating an FBI identification record are set forth in Title 28, Code of Federal Regulations (CFR), 16.34.
 
How to Schedule an Appointment

Prior to contacting the vendor, each candidate must complete the appropriate Universal Form (IDG_NJAPP_051719_V1) depending upon the license type they are seeking. 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 vendor 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.

 
Please note:
  • Make sure that you are completing the correct Universal Form (IDG_NJAPP_051719_V1) 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 IDEMIA. The total cost for this process is $66.05. Payment will be required at the time of scheduling. The following forms of payment are accepted: Visa, MasterCard, American Expresss, Discover and prepaid debit cards, or electronic debit (ACH) from a checking account.

 

Cancellation Fee

An appointment fee of $12 plus tax ($12.80) is charged to cover the cost of a scheduled appointment for applicants who do not cancel/reschedule by 5 p.m. EST on the business day prior to the scheduled appointment (Saturday noon for Monday appointments). An appointment fee of $12 plus tax ($12.80) 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 IDEMIA.

 

Selecting the Proper Universal Form

The Division of Banking issues multiple license types that require fingerprinting. The proper Universal Form (IDG_NJAPP_051719_V1) must be completed for scheduling and presented at the appointment or you will be turned away from the scanning center and charged an appointment 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.         

 

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.

 

Please note:

If you live, work or go to school in New Jersey you MUST be fingerprinted in person at one of the IDEMIA 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) 292-1416 or by e-mail at blicbc@dobi.nj.gov for appropriate information and forms for completion of the required fingerprinting. 

More information...

 
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_051719_V1). Following completion of the proper Universal Form, contact the Live Scan fingerprint vendor for New Jersey to schedule an appointment.
 
What do I bring to the scanning center?

Scanning centers are located throughout the State. You must bring to the scanning center:
  1. 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. A properly completed Universal Form (IDG_NJAPP_051719_V1).
 
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 online appointment scheduling.

 
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) 292-1416 or by e-mail at blicbc@dobi.nj.gov 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