Revises law concerning prohibition of certain unsolicited checks.

This bill (S 2080) revises New Jersey's existing law (P.L.2015, c.120) that prohibits sending unsolicited checks automatically enrolling recipients in services or charging fees. It clarifies that businesses cannot mail checks that, when cashed, obligate recipients to pay fees or join ongoing agreements - except for checks sent in response to requests, as account substitutes, or from authorized financial institutions. The bill updates penalties: a first violation incurs up to $500, a second up to $1,000, and third or subsequent violations trigger stricter penalties under the state's Consumer Fraud Act (up to $10,000 for a first CFA offense). This directly affects businesses that send checks, not consumers, by strengthening enforcement against deceptive check practices.