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A4289 • 2026

Provides defendant option to disclose disability status in foreclosure proceedings.

Provides defendant option to disclose disability status in foreclosure proceedings.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Speight, Shanique
Last action
2026-02-19
Official status
Introduced, Referred to Assembly Financial Institutions and Insurance Committee
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Provides defendant option to disclose disability status in foreclosure proceedings.

Provides defendant option to disclose disability status in foreclosure proceedings.

What This Bill Does

  • Provides defendant option to disclose disability status in foreclosure proceedings.
  • Topic: Financial Institutions and Insurance Fiscal note: This bill has not been certified by OLS for a fiscal note.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-02-19 New Jersey Legislature

    Introduced, Referred to Assembly Financial Institutions and Insurance Committee

Official Summary Text

Provides defendant option to disclose disability status in foreclosure proceedings.
Topic:
Financial Institutions and Insurance
Fiscal note:
This bill has not been certified by OLS for a fiscal note.

Current Bill Text

Read the full stored bill text 
A4289

ASSEMBLY, No. 4289

STATE OF NEW JERSEY

222nd LEGISLATURE

�

INTRODUCED FEBRUARY 19, 2026

Sponsored by:

Assemblywoman� SHANIQUE SPEIGHT

District 29 (Essex and Hudson)

SYNOPSIS

���� Provides defendant option to disclose disability
status in foreclosure proceedings.

CURRENT VERSION OF TEXT

���� As introduced.

��

An Act
concerning foreclosures among disabled persons and
supplementing chapter 50 of Title 2A of the New Jersey Statutes.

����
Be It
Enacted
by the Senate and General Assembly of
the State of New Jersey:

���� 1.��� The Administrative
Office of the Courts shall provide the defendant with the option, in an answer
to a foreclosure complaint filed with the Office of Foreclosure in the
Administrative Office of the Courts and in the foreclosure case information
statement required pursuant to the Rules of Court, to disclose the disability
status of the defendant and to include a statement from the defendant�s
physician that confirms the disability status of the defendant and assesses the
impact of the disability on the defendant.� This requirement shall apply to a
foreclosure action that involves an owner-occupied residential mortgage.�

���� 2.��� This act shall take
effect on the first day of the fourth month next following enactment.�

STATEMENT

���� This bill directs the
Administrative Office of the Courts to allow a homeowner, in an answer to a
foreclosure complaint filed with the Office of Foreclosure and in the
foreclosure case information statement required pursuant to the Rules of Court,
to disclose the homeowner�s disability and to include a statement from the
homeowner�s physician that confirms the disability status of the homeowner and
assess the impact of the disability on the homeowner.� This requirement would
apply to a foreclosure action that involves an owner-occupied residential
mortgage.�