New Jersey legislation · 2026-2027 Regular Session
New Jersey S3546: Mortgage loan originators-work from remote locations, certain circumstances
Status: Passed one chamber, October 29, 2026
Permits mortgage loan originators to work from remote locations under certain circumstances.
What the bill says
An Act concerning mortgage loan originators and supplementing P.L.2009, c.53 (C.17:11C-51 et seq.).
From the introduced text, February 19, 2026:
An Act concerning mortgage loan originators and supplementing P.L.2009, c.53 (C.17:11C-51 et seq.). Be It Enacted by the Senate and General Assembly of the State of New Jersey: 1. a. Notwithstanding any other law, rule, or regulation to the contrary, a mortgage loan originator or qualified individual licensee licensed pursuant to the New Jersey Residential Mortgage Lending Act, P.L.2009, c.53 (C.17:11C-51 et seq.) may perform licensable activities at a place of residence or another remote location, provided that the activities are in accordance with written supervisory policies and procedures. b. Licensable activities from a remote location shall be permitted when: (1) the mortgage loan originator or qualified individual licensee has written policies and procedures for the supervision of an employee working from a place of residence or another remote location; (2) access to company platforms and customer information is in accordance with a comprehensive written information security plan; (3) no in-person customer interaction occurs at a place of residence unless the residence is a licensed location; and (4) physical records are not maintained at a remote location. c. As used in this section remote location means a site at which a mortgage loan originator or qualified individual licensee conducts business other than the principal place of business or principal office. d. The Commissioner of Banking and Insurance may issue and …
Sponsors
- Anthony M. Bucco (R, 25) · primary sponsor
- Gordon M. Johnson (D, 37) · primary sponsor
Latest actions
- : R/A REF AHO
- : PS (39-0)
- : REP 2RS
- : INT 1RS REF SCM
Votes
- 3RDG FINAL PASSAGE - Mortgage loan originators-work from remote locations, certain circumstances (October 22, 2026): 39 yea, 0 nay, passed
- Senate Commerce Committee: Reported favorably (October 5, 2026): 4 yea, 0 nay, passed
Subjects: HOUSING - FINANCE
Common questions
- What is S3546?
- S3546 is a bill in the New Jersey Legislature (2026-2027 Regular Session): Mortgage loan originators-work from remote locations, certain circumstances.
- What does S3546 do?
- In its own words: An Act concerning mortgage loan originators and supplementing P.L.2009, c.53 (C.17:11C-51 et seq.).
- What is the status of S3546?
- Passed one chamber as of October 29, 2026. Latest action: R/A REF AHO (October 29, 2026).
- Who sponsored S3546?
- Anthony M. Bucco (R, 25), with 1 co-sponsor.
- Where is the official record for S3546?
- On the New Jersey Legislature website: https://www.njleg.state.nj.us/bill-search/2026/S3546
Source: official New Jersey record. Tracked by Delilah, AI for legislation across all 50 states and Congress.