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The Commission's investigation was highlighted by extensive field work during which every licensed check casher was visited at least once and by an exhaustive review of books and records, including hundreds of thousands of checks. More than a score of the more questionable enterprises were monitored by SCI agents on numerous occasions. At least 70 witnesses were
interviewed in the field by SCI investigators and questioned by the Commission at executive sessions at the SCI office. Some 35 witnesses, several of whom exercised their Fifth Amendment right to refuse to respond to questions, were subpoenaed for appearance at the Commission's public hearing on April 26, 27 and 28, 1988, at the State House Annex. About 160 exhibits were assembled for the public hearing, including excerpts from sworn private testimony which were read into the public hearing record when certain witnesses refused to answer questions. The exhibits also included a number of charts prepared by the SCI to clarify the testimony. Most of those charts are included in this report. During the course of its probe, the SCI learned that another inquiry into check cashers was being made by the New Jersey Department of the Public Advocate's Office of Citizen Complaints. The Public Advocate's report. with recommendations for regulatory reforms, was issued in January, 1988. It focused primarily on the check cashing industry's utilization by people "with limited incomes who regularly receive government checks." The report confirmed that check cashers charged excessive and illegal fees, that the statutory and regulatory governance of check cashers was widely violated and that numerous unlicensed entities were cashing checks for fees in violation of the law. The Commission during its inquiry received the cooperation not only of the Public Advocate, but also the New Jersey Division of Criminal Justice and the New Jersey State Police, similar law enforcement agencies in New York and other jurisdictions, and particularly the New York State Commission of Investigation, the New York State Organized Crime Task Force and the U.S. Internal Revenue Service. The DOB, through Commissioner Mary Little Parell, was most cooperative in producing data from its Consumer Credit Bureau, the agency which directly supervises the check cashing industry. Finally, the late Clifford Crolius of Jersey City, a state investigator and former city detective, provided exceptional assistance.
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