Establishes four-year "Rent for Credit Pilot Program" in Department of Community Affairs.

S 2746 establishes a 4-year "Rent for Credit Pilot Program" in New Jersey, enabling low-income tenants in subsidized housing (renting units funded by state or federal aid) to build credit history through rent payment reporting. Participating landlords voluntarily report tenants' rent payments (including timely, late, or missed payments) to credit bureaus, with tenants paying a maximum $10 monthly fee for this service. Tenants may join or leave the program anytime but cannot rejoin for six months after opting out. The Department of Community Affairs will review the program after two years to assess participation, tenant demographics, credit impacts, and cost, then recommend whether to continue it.