Concerns mortgage and loan forbearance, rent suspension, and consumer reporting during coronavirus disease 2019 pandemic.

New Jersey's S 1096 provides temporary financial relief for homeowners and renters during the pandemic emergency. It requires lenders to grant up to 180 days of mortgage payment suspension (in 90-day increments) without needing proof of hardship, and extends repayment periods by the suspension length. Similarly, landlords must suspend rent payments for residential tenants and small business commercial tenants for up to 180 days (90 days at a time), with no fees or penalties for suspended payments, and must provide written notice of when payments resume. The law also bans foreclosures and evictions for 90 days after the emergency ends and mandates that the state department inform property owners about the program and connect them with housing counseling resources.