Establishes loan program in DCRP.

This bill creates a loan program within New Jersey's Defined Contribution Retirement Program (DCRP), allowing state employees to borrow from their retirement savings without triggering a taxable withdrawal. Participants could access funds from their mandatory, voluntary, or rollover contribution subaccounts, with interest credited back to their mandatory account. The program board will set eligibility rules, loan amounts, repayment schedules, and interest rates while maintaining the plan's federal tax-qualified status. This directly affects current and future DCRP participants who may need temporary access to retirement funds.