state_legiscan_drain · NJ
Requires consumer reporting agencies to provide a consumer with a free credit report three times during any 12-month period upon request.
January 13, 2026
Summary
If enacted, this bill would require consumer reporting agencies to provide consumers with a free credit report three times per 12-month period upon request, expanding from the current federal requirement of one free report per year. This would affect consumers and credit reporting agencies, with indirect implications for lenders who rely on credit reports in underwriting.
Source: https://www.njleg.state.nj.us/bill-search/2026/S1322
Common questions
- What does "Requires consumer reporting agencies to provide a consumer with a free credit report three times during any 12-month period upon request." cover?
- If enacted, this bill would require consumer reporting agencies to provide consumers with a free credit report three times per 12-month period upon…
- When was it published?
- It was published on January 13, 2026.
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