S 1322 New Jersey Senate · 2026-2027 Regular Session

Requires consumer reporting agencies to provide a consumer with a free credit report three times during any 12-month period upon request.

This New Jersey bill would require consumer reporting agencies to provide consumers with three free credit reports annually upon request, replacing the current one free report per year. It directly affects New Jersey residents who regularly check their credit history, allowing them to monitor their financial information more frequently without cost. The key provision amends state law to increase the annual free report limit from one to three, with no charge for each request within a 12-month period. This change would give consumers greater access to their credit data for financial planning and error detection.

Issues: ✓ Technology

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2026

Committee Review

Jun 2026

Senate Passage

Jun 2026

General Assembly Passage

Governor

Introduced Jan 13, 2026 Last action Jun 30, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Technical Review Of Prefiled Bill → Introduced · 3 edits · Jan 13, 2026

MINOR

The bill increases the number of free credit reports a consumer can obtain from a consumer reporting agency from once to three times during any 12-month period. The threshold for when a fee may be charged shifts accordingly from the second request to the fourth request. A new statement section was added at the end explaining this change.

Scope change

The scope of consumer rights under the bill expands: consumers gain two additional free credit report disclosures per year, and agencies may not charge until the fourth request in a 12-month period rather than the second.

ELIGIBILITY

Consumers are now entitled to three free credit reports per 12-month period instead of one, as stated in subsection c.

REQUIREMENT

The paid disclosure threshold in subsection a(1) shifts from the second request to the fourth request in a 12-month period, consistent with the increase in free reports.

TECHNICAL

A new STATEMENT section was added at the end of the bill summarizing that it requires three free credit reports per 12-month period versus the current law's one.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 30, 2026

Committee

Received in the Assembly, Referred to Assembly Consumer Affairs Committee

lower

Jun 30, 2026

Upper · Passed

Passed by the Senate (40-0)

upper

Jan 13, 2026

Introduced

Introduced in the Senate, Referred to Senate Commerce Committee

upper

2 primary · 1 co-sponsor