Sen. Paul Moriarty

Maddy summaryThis bill requires businesses offering digital asset services (like virtual currency exchanges) to obtain a license from New Jersey's Bureau of Securities. It applies to any business operating within New Jersey or targeting New Jersey residents, excluding traditional securities (which remain regulated under existing laws). The law defines key terms like "digital asset" (excluding securities) and "licensee," mandating that businesses must be licensed to operate. The Bureau of Securities will administer the licensing process, including overseeing "responsible individuals" managing these businesses.

Maddy summaryThis bill prohibits used car dealers from selling vehicles as "certified" or using misleading terms when specific issues exist, such as odometer fraud, flood damage, frame repairs, or undisclosed title problems. It requires dealers to disclose these conditions before sale and bans disclaimers of warranty for used vehicles. Additionally, dealers must offer buyers a 2-day cancellation option (with a minimum 250-mile allowance) for a full refund minus a capped restocking fee ($75-$250 based on vehicle price), excluding sales over $40,000, salvage titles, or total loss vehicles. The law applies directly to used car dealers and consumers purchasing vehicles under $40,000.

Maddy summaryThis bill requires public employees convicted of certain serious crimes - including bribery, theft over $10,000, sexual misconduct, or corruption involving $500,000 - to forfeit their state or local public pension benefits. The pension board decides if full or partial forfeiture applies, considering factors like the crime's severity, its connection to the employee's duties, and the member's service history. Employees convicted of qualifying offenses lose pension benefits earned during the period of misconduct, though they may receive refunds of their own contributions. It directly affects public officers and employees covered by New Jersey’s state or local pension systems.

Maddy summaryThis bill (S 1746) proposes to increase New Jersey homeowners' protection from debt collection by expanding homestead exemptions. It allows owners to shield their primary residence (including land) from creditors, with the exemption amount set as the greater of: (1) the prior year's county median single-family home price (capped at $600,000), or (2) $300,000. The exemption doubles for homeowners aged 60+ or those with qualifying disabilities, and automatically adjusts every three years based on regional inflation. It also extends protection to cash proceeds from a home sale for 18 months and excludes fraud-related debts from the exemption. The bill directly affects homeowners facing debt collection in New Jersey, particularly seniors and disabled residents.

Maddy summaryS 1193 (New Jersey) allows eligible voters who missed the 21-day registration deadline to register and vote on election day or during early voting. It permits registration at assigned polling places on election day or at early voting sites by providing ID or address verification (e.g., utility bill, photo ID) and completing a provisional ballot affirmation. This directly affects voters who did not register before the deadline but appear at their polling location or early voting site during the early voting period. The bill amends Section 19:31-6 of New Jersey law to establish this process, ensuring provisional ballots are counted if requirements are met. It does not change the standard 21-day registration deadline for regular voting.

Maddy summaryThis bill extends the cancellation period for home improvement contracts to seniors aged 65 and older. It allows these consumers to cancel any home improvement contract for any reason within five business days (instead of the current three days) after receiving the signed contract. Contractors must include a clear notice in the contract stating this extended window and require full refunds within 30 days of cancellation. The change directly affects seniors entering home improvement agreements over $500, providing them additional time to review contracts without penalty.

Maddy summaryS 1983 would eliminate the requirement for advanced practice nurses (APNs) in New Jersey to practice under physician collaboration or supervision, allowing them to provide care independently. This directly affects APNs - over 75% of whom specialize in primary care - and aims to improve healthcare access in underserved communities, including areas with physician shortages and among racial/ethnic minorities, low-income populations, and those facing transportation barriers. The bill cites that 24 states and the District of Columbia already permit full practice authority for APNs, and during pandemic waivers (Executive Order 112), no adverse incidents occurred while APNs practiced without restrictions. It states removing these barriers could reduce healthcare access disparities by over 38 percent, aligning New Jersey with other states to address chronic shortages in primary care services.

Maddy summaryS 1745 prohibits health care providers, mobile application developers, and third parties from collecting or sharing New Jersey residents' biometric data (like heart rate or fingerprints), health data (such as medical records), or protected health information without explicit consent. Before collecting information, consent must be obtained; for each disclosure, consent must be secured within three days prior to sharing. Exceptions include sharing for medical treatment between health care providers, and the bill does not override federal HIPAA rules. Violations could result in $1,000 per violation in damages.

Maddy summaryThis bill amends New Jersey's school bus safety laws to authorize using school bus monitoring systems for enforcement. It changes penalties for drivers who illegally pass stopped school buses: violations captured by these systems will result in only a $250 civil penalty (instead of potential fines or jail time), with funds directed to municipalities and school districts for safety programs. The law applies to buses transporting children or individuals with developmental disabilities when stopped to load/unload. It does not create new monitoring systems but specifies how existing systems can be used to enforce stop laws through civil penalties.

Maddy summaryThis bill (S 1314) sets limits on long-term real estate listing agreements in New Jersey. It prohibits "right-to-list home sale agreements" exceeding 10 years and requires them to include an early termination option: owners can end the contract early by paying up to 6% of the initial price per year (compounded annually). Real estate brokers must provide fully executed contracts with a clear termination date and comply with these rules, or face penalties under amended licensing law (R.S.45:15-17), including fines up to $10,000 for violations. The bill directly affects homeowners signing long-term listing contracts and real estate brokers handling such agreements.