Title 56, Title 56: TRADE NAMES, TRADE-MARKS AND UNFAIR TRADE PRACTICES

56:11-19. Regulations The Attorney General of the State of New Jersey may promulgate regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), to effectuate the purposes of this act. L.1990,c.72,s.4.

56:11-2. Inapplicability of act to statements of accounts of public utilities This act shall not apply to statements of accounts rendered to customers by public utilities whose billing practices are subject to the jurisdiction and regulation of the Board of Public Utility Commiss…

56:11-20 Definitions 1. As used in this act: "Charge card" means a credit card on an account for which no periodic rate is used to compute a finance charge. "Check" means a demand draft drawn on or payable through an office of a depository institution located in the United States…

56:11-21. Accentance of checks for consumer transactions; cashing checks 2. a. No person who receives a check in payment of an obligation resulting from a consumer transaction or who cashes a check for a consumer and which as a condition of such acceptance or the cashing of a che…

56:11-22. Violations, penalty 3. Any person who violates any provision of this act shall be liable to a civil penalty of not more than $250 for a first offense and not more than $1,000 for a second and each subsequent offense. Any penalty imposed pursuant to this section shall be…

56:11-23. Regulations 4. The Attorney General of the State of New Jersey may promulgate regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), necessary to effectuate the purposes of this act. L.1991,c.281,s.4.

56:11-24. Credit card transctions forms by issuers 1. Any person, firm, partnership, association or corporation which issues forms used exclusively for credit card transactions between the credit cardholder and seller shall only issue credit card forms which: a. are carbonless; b…

56:11-25. Credit card transaction forms by accepters 2. a. Any person, firm, partnership, association or corporation which accepts credit cards used exclusively for credit card transactions shall only use credit card forms which: (1) are carbonless; (2) after the transaction is c…

56:11-26. Violations, fines 3. A violation of section 1 of this act shall be punishable by a civil fine not to exceed $1,000. A violation of section 2 of this act, if the violation constitutes the first offense by the person shall be punishable by a civil fine not to exceed $250.…

56:11-27. Injunctive relief 4. Whenever there shall be a violation of this act an application may be made by the Attorney General in the name of the people of the State to a court having jurisdiction by a special proceeding to issue an injunction, and upon notice to the defendant…

56:11-28 Short title. 1. This act shall be known and may be cited as the "New Jersey Fair Credit Reporting Act." L.1997,c.172,s.1.

56:11-29 Findings, declarations relative to consumer credit reports. 2. The Legislature finds and declares that: a. Recent amendments to the federal "Fair Credit Reporting Act," enacted as the "Consumer Credit Reporting Reform Act of 1996," (Subtitle D, Chapter 1, Pub.L.104-208),…

56:11-3. Written notice of billing error by consumer; acknowledgment by creditor; prohibition of communication on claimed billing error If a creditor, having transmitted to a consumer a statement of the consumer's account, receives from the consumer at an address designated there…

56:11-30 Definitions relative to consumer credit reports. 3. As used in this act: "Adverse action" has the same meaning as in subsection (k) of section 603 of the federal "Fair Credit Reporting Act," 15 U.S.C. s.1681a. "Consumer" means an individual. "Consumer report" (1) means a…

56:11-31 Furnishing of consumer report; permissible circumstances. 4. a. A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1) In response to the order of a court having jurisdiction to issue such an order, or a subpoena iss…

56:11-32 Procedures designed to limit furnishing of consumer reports. 5. a. Every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 4 of this act. These procedures shall require…

56:11-33 Procurement, preparation of investigative consumer report. 6. a. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless: (1) It is clearly and accurately disclosed in writing to the consumer, prior to requesting the consu…

56:11-34 Disclosure to consumer. 7. Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: a. All information in the consumer's file at the time of the request. b. The sources of the informat…

56:11-35 Time, notice for making disclosures. 8. a. A consumer reporting agency shall make the disclosures required under section 7 of this act during normal business hours and on reasonable notice. b. The disclosures required under section 7 of this act shall be made to the cons…

56:11-36 Dispute of information; reinvestigation. 9. a. (1) If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by a consumer and the consumer notifies the agency directly of the dispute, the agency …

56:11-37. Imposition of charge on consumer; exceptions 10. a. Except as provided in subsections b., c., d. and e. of this section, a consumer reporting agency may impose a reasonable charge on a consumer for: (1) making a disclosure to the consumer pursuant to section 7 of this a…

56:11-38 Willful noncompliance; liability. 11. a. Any person who willfully fails to comply with any requirement imposed under this act with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) (a) any actual damages sustained by the consumer as…

56:11-39 Negligent noncompliance; liability. 12. a. Any person who is negligent in failing to comply with any requirement imposed under this act with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) any actual damages sustained by the consu…

56:11-4. Transmittal of statements of account; collections Notwithstanding the receipt by a creditor of a notice from a consumer as described in section 3 of this act, a creditor may, subject to the provisions of section 7 of this act, transmit statements of account to the consum…

56:11-40 Obtaining information under false pretenses, fourth degree crime. 13. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be guilty of a crime of the fourth degree. L.1997,c.172,s.13.

56:11-41 Enforcement agency. 14. a. Pursuant to subsection (c) of section 621 of the federal "Fair Credit Reporting Act," 15 U.S.C. s.1681s, the Division of Consumer Affairs in the Department of Law and Public Safety is designated as the agency in this State to enforce the provis…

56:11-42 Electronic printing of credit card numbers on sales receipts, regulated. 1. No retail sales establishment shall print electronically more than the last five digits of a customer's credit card account number or the expiration date of that credit card upon any sales receip…

56:11-43 Rules, regulations. 2. The Attorney General of the State of New Jersey shall adopt those rules and regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14B-1 et seq.), necessary to effectuate the purposes of this act. L.2002,c.101,s.2.

56:11-44 Short title. 1. This act shall be known and may be cited as the "Identity Theft Prevention Act." L.2005,c.226,s.1.

56:11-45 Findings, declarations relative to identity theft. 2. The Legislature finds and declares that: a. The crime of identity theft has become one of the major law enforcement challenges of the new economy, as vast quantities of sensitive, personal information are now vulnerab…

56:11-46 Election of placement of security freeze on consumer report, procedure. 5. a. A consumer may elect to place a security freeze on his consumer report by: (1) making a request in writing by certified mail or overnight mail to a consumer reporting agency; or (2) making a re…

56:11-47 Actions of consumer reporting agency relative to security freeze. 6. If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer report without sending a written confirmation of the change to the …

56:11-48 Inapplicability of sections 4 through 9 of act of resellers. 7. The provisions of sections 4 through 9 of this amendatory and supplementary act shall not apply to a consumer reporting agency that acts only as a reseller of credit information by assembling and merging inf…

56:11-49 Entities not required to place security freeze in consumer report. 8. The following entities are not required to place a security freeze in a consumer report, pursuant to section 5 of this amendatory and supplementary act: a. A check services company or fraud prevention …

56:11-5. Address of creditor on statements of account Every statement of account rendered by a creditor to a consumer shall include the address to be used by the consumer in making inquiries concerning his statement. L.1974, c. 146, s. 5.

56:11-50 Noncompliance, liability. 9. a. Any person who willfully fails to comply with the requirements of sections 4 through 9 of this amendatory and supplementary act shall be liable to a consumer as provided in section 11 of P.L.1997, c.172 (C.56:11-38). b. Any person who is n…

56:11-51 Denial, reduction of credit to victims of identity theft, certain, prohibited. 1. a. A creditor shall not deny credit to, or reduce the credit limit of, an individual solely because that individual was a victim of identity theft pursuant to N.J.S.2C:21-1, section 1 of P.…

56:11-52 Violations, penalties. 2. Any creditor who violates any provision of this act shall be liable for a penalty of not more than $5,000 for each violation, to be collected by and in the name of the Commissioner of Banking and Insurance in a summary proceeding pursuant to the…

56:11-53 Short title. 1. This act shall be known and may be cited as the "Personal Information and Privacy Protection Act." L.2017, c.124, s.1.

56:11-54 Definitions relative to collection of certain personal information. 2. a. For the purposes of this section: "Credit" means the right granted by a creditor to a debtor to defer payment of debt, or to incur debt and defer its payment, or to purchase property or services an…

56:11-55 Violations, penalties. 3. a. Any person who violates the provisions of this act shall be subject to a civil penalty of $2,500 for a first violation and $5,000 for any subsequent violation. The penalty prescribed in this section shall be collected in a civil action by a s…

56:11-56 Short title. 1. P.L.2024, c.48 (C.56:11-56 et seq.) shall be known and may be cited as the "Louisa Carman Medical Debt Relief Act." L.2024, c.48, s.1.

56:11-57 Definitions. 2. As used in P.L.2024, c.48 (C.56:11-56 et seq.): "Collection action" means any action on the part of a medical creditor with respect to a medical debt, and includes, but is not limited to: selling a patient's debt to another party; reporting information ab…

56:11-58 Reporting patient medical debt by creditor, collector, consumer reporting agency, prohibited. 3. a. A medical creditor or medical debt collector shall not report a patient's medical debt to any consumer reporting agency for health care services performed on and after the…

56:11-59 Collection actions, medical debt, limits. 4. a. Notwithstanding any provision of law or regulation to the contrary, except as otherwise provided in subsection c. of this section, a medical creditor or medical debt collector shall not engage in any collection actions unti…

56:11-6. Written notice of procedures to consumers by creditors In the case of any account under a consumer credit plan having an outstanding debit or credit balance of more than $1.00 at or after the close of the creditor's first billing cycle, after October 28, 1975, the proced…