Establishes loan program in DCRP.

This bill establishes a loan program within New Jersey's Defined Contribution Retirement Program (DCRP) for state employees. It allows participants to borrow from their own retirement savings (specifically from mandatory, voluntary, or rollover contribution subaccounts) without triggering a taxable withdrawal. The program board will set loan terms, including eligibility, amounts, interest rates, and repayment schedules, with interest credited back to the participant's mandatory contribution subaccount. This change directly affects current and future state employees enrolled in the DCRP.