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S1322 TR
SENATE, No. 1322
STATE OF NEW JERSEY
222nd LEGISLATURE
�
PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION
Sponsored by:
Senator JOSEPH PENNACCHIO
District 26 (Morris and Passaic)
Senator� SHIRLEY K. TURNER
District 15 (Hunterdon and Mercer)
Co-Sponsored by:
Senator Timberlake
SYNOPSIS
���� Requires consumer reporting agencies to provide
consumer with free credit report three times during any 12-month period upon
request.
CURRENT VERSION OF TEXT
���� As reported by the Senate Commerce Committee with
technical review.
��
An Act
concerning consumer credit reports and amending
P.L.1997, c.172.
����
Be It
Enacted
by the Senate and General Assembly of
the State of New Jersey:
���� 1.����� Section 10 of P.L.1997,
c.172 (C.56:11-37) is amended to read as follows:
���� 10.��� a.� Except as provided
in subsections b., c., d. and e. of this section, a consumer reporting agency
may impose a reasonable charge on a consumer for:
���� (1)�� making a disclosure to
the consumer pursuant to section 7 of this act if the request is the
[
second
]
fourth
or subsequent request in a 12-month period of time and is not made pursuant to
subsection b. of this section; the charge for this disclosure shall not exceed
$8 and shall be indicated to the consumer before making the disclosure; and
���� (2)�� furnishing to a person
designated by the consumer pursuant to subsection k. of section 9 of this act a
statement, codification, or summary filed or developed under subsection i. or
j. of section 9 of this act, after notification of the consumer under subsection
f. of section 9 of this act with respect to the reinvestigation; this charge
shall not exceed the charge that the agency would impose on each designated
recipient for a consumer report and shall be indicated to the consumer before
furnishing this information.
���� b.��� Each consumer reporting
agency that maintains a file on a consumer shall make all disclosures required
pursuant to section 7 of this act without charge to the consumer if, not later
than 60 days after receipt by the consumer of a notification of an adverse
action or notification from a debt collection agency affiliated with the
consumer reporting agency stating that the consumer's credit rating may be or
has been adversely affected, the consumer makes a request under section 7 of
this act.
���� c.���� Upon the request of the
consumer, a consumer reporting agency shall make all disclosures required
pursuant to section 7 of this act
[
once
]
three
times
during any 12-month period without charge to the consumer.
���� d.��� A consumer reporting
agency shall not impose any charge on a consumer for providing any notification
required by this act, including but not limited to, the notification required
pursuant to subsection k. of section 9 of this act following deletion of information
from a consumer's file pursuant to section 9 of this act, or making any
disclosure required by this act, except as authorized by subsection a. of this
section.
���� e.���� Upon request of the
consumer, a consumer reporting agency shall make all disclosures required
pursuant to section 7 of this act once during any 12-month period without
charge to that consumer if the consumer certifies in writing that the consumer:
���� (1)�� is unemployed and
intends to apply for employment in the 60-day period beginning on the date on
which certification is made;
���� (2)�� is a recipient of
assistance under the Work First New Jersey Program;
���� (3)�� has reason to believe
that the file on the consumer at the agency contains inaccurate information due
to fraud; or
���� (4)�� has been a victim of a
violation of� N.J.S.2C:21-1, section 1 of P.L.1983, c.565 (2C:21-2.1) or
N.J.S.2C:21-17 and the court has ordered the deletion of those items of
information that were the result of the unlawful use of the victim's personal
identifying information.
(cf: P.L.2003, c.184, s.9)
���� 2.��� This act shall take
effect immediately.