This bill prohibits insurance companies in New Jersey from using a homeowner's credit history to determine insurance premiums, coverage eligibility, or risk ratings. It specifically bars insurers from denying policies, canceling coverage, raising rates, or offering discounts based on an applicant's financial record. The law applies to all homeowners and prospective policyholders, ensuring that credit scores cannot influence the cost or availability of their home insurance. If passed, these restrictions would take effect 90 days after the bill is signed into law.
This bill allows homeowners in New Jersey whose primary residences are located in Governor-declared disaster areas to pause their mortgage payments for up to 180 days. To qualify, a borrower must request this forbearance from their lender, who is required to approve the request within 15 business days. During the pause period, lenders cannot charge penalties, fees, or interest, and borrowers have the option to extend the pause for another 180 days. After the forbearance ends, the missed payments must be repaid through loan extension, loan modification, or a deferred payment due at the end of the loan term.
This New Jersey bill, the Sensitive Life-Changing Test Results Protection Act, creates an exception to federal rules that currently require the immediate electronic release of all medical test results to patients. It mandates that results indicating serious, permanent, or life-limiting conditions must wait three business days before appearing in a patient's online health portal, unless a doctor releases them sooner or the patient explicitly requests immediate access. The law aims to give healthcare providers time to personally discuss these difficult findings with patients before they are automatically shared digitally. By allowing this brief delay, the bill seeks to prevent potential emotional harm and ensure patients receive proper medical context and support when receiving significant news.
This bill creates a public-private partnership program within the Department of Environmental Protection to help fund and manage wildlife corridors and crossing projects. It also allows vehicle owners to purchase special license plates that support these conservation efforts through additional registration fees. The collected fees will be placed in a dedicated investment fund to finance planning, construction, and maintenance of wildlife corridors. The bill requires regular reporting on the program's progress and effectiveness to the Governor and Legislature.
This bill creates a four-year grant program to provide funding to New Jersey school districts for improving performing arts education. To qualify, districts must demonstrate that a majority of their schools serve high concentrations of multilingual learners, students in resource family care, rural students, or at-risk pupils. Selected districts can use the funds to purchase arts materials, train teachers, and develop programs that help students transition between school levels or pursue careers in the arts. The program requires recipients to submit annual reports on their progress and includes a final review to determine if the initiative should be continued or expanded.
This bill permanently exempts specific polystyrene foam food service products from New Jersey's law that generally bans their sale and use. It directly affects businesses by allowing the continued use of meat and fish trays for raw or butchered meat and any food items pre-packaged by the manufacturer in these materials. The legislation clarifies that these two categories of products are no longer subject to the state's prohibition, even though other polystyrene foam items remain banned. Additionally, the bill prevents local municipalities from creating their own rules regarding these specific exempted items.
This New Jersey bill directs the Department of Human Services to create a public awareness campaign focused on Alzheimer's disease. The program would educate the general public on symptoms and early detection while providing specialized training for law enforcement, firefighters, and social workers to better assist affected individuals. Additionally, the department must publish easy-to-understand information about the disease in both English and Spanish on its website. The initiative relies on available state funds and may accept external grants or services to support its efforts.
This New Jersey bill prohibits the farming of fur-bearing animals, including fox, rabbit, mink, and muskrat, by making it illegal to breed, raise, produce, or market them for fur. The law explicitly excludes pets, domestic companions, and service animals from this ban, ensuring they can still be bred and sold. Additionally, the bill removes fur-bearing animals from the state's list of agricultural products and excludes them from definitions of land used for farming purposes in tax and zoning regulations. Violations of the ban are classified as disorderly persons offenses, while existing laws regarding the release or importation of these animals remain unchanged.
This New Jersey bill establishes a new "Clean Slate" process that allows individuals with certain criminal convictions to automatically request expungement without needing to file a separate petition. The law primarily affects people who have completed their sentences and paid any required fines but may still face barriers due to unpaid financial assessments or other minor delays. Key provisions include granting expungements even if court-ordered financial assessments remain unpaid due to reasons other than willful noncompliance, while transferring the debt collection responsibility to the State Treasurer. Additionally, the bill permits courts to grant expungements before the standard waiting period ends if a person has substantially complied with payment plans or faces compelling circumstances preventing full payment. This legislation aims to streamline the legal process by reducing administrative burdens and providing clearer pathways for record clearance.
This bill makes permanent an additional $250 property tax benefit for senior citizens under New Jersey's ANCHOR Property Tax Relief Program. The change directly affects homeowners and tenants aged 65 or older who meet specific income limits, with a cap of $250,000 for homeowners and $150,000 for renters. By amending existing state law, the legislation ensures these seniors receive the extra relief annually rather than limiting it to fiscal years 2024 through 2026. The benefit is paid alongside other ANCHOR assistance and requires no new application process for eligible recipients.
This bill updates New Jersey laws to require criminal history record checks for most paid school employees and volunteers who have regular contact with students under 18. It mandates that schools verify these individuals have no disqualifying criminal records before hiring, while also allowing districts to require checks for unpaid volunteers. The law lists specific offenses that would permanently disqualify an individual, including violent crimes, drug-related offenses, and crimes against minors, but includes a provision allowing applicants to challenge the accuracy of any disqualifying information found.
This bill requires New Jersey to deposit at least 50% of funds recovered by the state from lawsuits involving the Attorney General into specific financial institutions. These institutions must be licensed in New Jersey, hold at least $1 billion in total deposits, and maintain a significant portion of their assets within the state. The Department of Banking and Insurance will create a list of approved banks, and those already authorized to hold attorney trust accounts will be automatically considered eligible.
