A 2618 New Jersey General Assembly · 2026-2027 Regular Session

Concerns credit inquiries for rental applications.

This bill prohibits landlords from conducting "hard credit inquiries" (which can lower a tenant's credit score) when screening applicants for affordable housing, defined as low- or moderate-income households with housing subsidies or applying to subsidized units. Landlords may only use "soft credit inquiries" (consent-based, with no score impact) for these applicants. Violations incur escalating fines: $100 for the first offense in a year, then $200 more for each subsequent offense. The bill also requires consumer reporting agencies to count multiple hard inquiries within one month for rental applications as a single inquiry to prevent score damage, and mandates the housing department to post online resources about these rules within six months.
Bill status in committee 1 of 4 stages cleared
Introduction
Jan 2026
Committee Review
Floor Vote
Governor
Introduced Jan 13, 2026 Last action Jan 13, 2026
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Jan 13, 2026
Introduced
Introduced, Referred to Assembly Housing Committee
lower
1 primary · 0 co-sponsors

Sponsors

Role
Legislator
Party
State
District
P
Photo of Carmen Morales
Carmen Morales
DDemocratic
NJ
34