New Jersey legislation · 2026-2027 Regular Session
New Jersey S1322: Credit reports-consumer reporting agencies provide a free report 3 times a year
Status: Passed one chamber, June 30, 2026
Requires consumer reporting agencies to provide a consumer with a free credit report three times during any 12-month period upon request.
What the bill says
An Act concerning consumer credit reports and amending P.L.1997, c.172.
From the introduced text, January 13, 2026:
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] [ADDED: 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 …
Sponsors
- Joseph Pennacchio (R, 26) · primary sponsor
- Shirley K. Turner (D, 15) · primary sponsor
- Britnee N. Timberlake (D, 34)
Latest actions
- : R/A REF ACO
- : PS (40-0)
- : REP 2RS
- : INT 1RS REF SCM
Votes
- 3RDG FINAL PASSAGE - Credit reports-consumer reporting agencies provide a free report 3 times a year (June 30, 2026): 40 yea, 0 nay, passed
- Senate Commerce Committee: Reported favorably (June 8, 2026): 5 yea, 0 nay, passed
Subjects: CONSUMER AFFAIRS
Common questions
- What is S1322?
- S1322 is a bill in the New Jersey Legislature (2026-2027 Regular Session): Credit reports-consumer reporting agencies provide a free report 3 times a year.
- What does S1322 do?
- In its own words: An Act concerning consumer credit reports and amending P.L.1997, c.172.
- What is the status of S1322?
- Passed one chamber as of June 30, 2026. Latest action: R/A REF ACO (June 30, 2026).
- Who sponsored S1322?
- Joseph Pennacchio (R, 26), with 2 co-sponsors.
- Where is the official record for S1322?
- On the New Jersey Legislature website: https://www.njleg.state.nj.us/bill-search/2026/S1322
Source: official New Jersey record. Tracked by Delilah, AI for legislation across all 50 states and Congress.