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 the current entitlement from once per year. This change affects all consumers who request credit reports and the agencies that furnish them, with indirect implications for lenders and other entities that rely on credit reports for underwriting or compliance.
AI-generated summary · Jul 10, 2026. Verify with your compliance counsel before acting.
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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.