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

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…

56:11-60 Medical creditor, debt collector, interest rates, limited wage garnishing. 5. A medical creditor or medical debt collector shall not: a. charge an interest rate on a medical debt of more than three percent per annum. The interest rate that shall apply to any judgment on …

56:11-61 Medical creditor, debt collector, pending review, restrictions. 6. a. A medical creditor or medical debt collector that knows that an internal review, external review, or other appeal of a health insurance decision which provides the basis for a medical debt is pending s…

56:11-62 Medical debt furnished to consumer reporting agency in violation, voided; penalties; moneys, properties restored. 7. a. Any portion of a medical debt that is furnished to a consumer reporting agency in violation of the provisions of P.L.2024, c.48 (C.56:11-56 et seq.) sh…

56:11-63 Severability. 8. The provisions of this act shall be severable and if any phrase, clause, sentence, or provision is deemed unenforceable, the remaining provisions of this act shall be enforceable. The provisions of this act shall be liberally construed to effectuate its …

56:11-7. Failure to comply; penalty Any creditor, having received a notice from a consumer as provided in section 3 of this act, who fails to comply with the requirements of that section: a. If such an amount is not in fact a billing error, forfeits any rights to collect from the…

56:11-8. Conduct in compliance with Fair Credit Billing as compliance with this act With respect to any inconsistencies between the provisions of this act and the "Fair Credit Billing Act" (Public Law 93-495, 58 Stat. 1511) comprising Title III of the Federal Truth in Lending Act…

56:11-9. Liability of creditor The liability of a creditor under this act is in lieu of, and not in addition to, the creditor's liability under the Federal Fair Credit Billing Act. An action brought by a consumer with respect to a violation of this act may not be maintained pursu…

56:12-1 Definitions. 1. As used in this act: "Consumer contract" means a written agreement in which an individual: a. Leases or licenses real or personal property; b. Obtains credit; c. Obtains insurance coverage, except insurance coverage contained in policies subject to the "Li…

56:12-10. Guidelines a. To insure that a consumer contract shall be simple, clear, understandable and easily readable, the following are examples of guidelines that a court, the Attorney General or the Commissioner of Insurance, in regard to contracts of insurance provided for in…

56:12-100 Opting out of contract under certain circumstances with no fee. 2. Subject to federal law and regulation, a provider of cable television service, commercial mobile service, direct broadcast satellite service, electric generation service, gas supply service, heating oil …

56:12-101 Violations, penalties. 3. a. A person who violates P.L.2019, c.188 (C.56:12-99 et seq.) shall be liable to a civil penalty of up to $1,000 for each offense. b. A penalty imposed pursuant to subsection a. of this section shall be collected in a civil action by a summary …

56:12-102 Allowing service contracts to be paused, canceled upon service recipients' admission to certain long-term care facilities. 1. a. A service provider doing business in this State shall allow a service recipient to pause and, as may be applicable, cancel a contract for tel…

56:12-11. Waiver of rights under act; effect of violation of act No consumer contract shall contain a waiver of any rights under this act. A violation of this act will not render any consumer contract void or voidable, or serve as a defense in an action to enforce the consumer co…

56:12-12 Injunctions; attorney fees, court costs. 12. The Office of the Attorney General, the Division of Consumer Affairs, the Division of Rate Counsel in, but not of, the Department of the Treasury, the Commissioner of Banking and Insurance, in regard to contracts of insurance …

56:12-13. Severability If any provision of this act, or its application to any person or circumstances, is held invalid, the remainder of the act and its application to other persons or circumstances shall not be affected. L.1980, c. 125, s. 13, eff. Oct. 16, 1980.

56:12-14. Short title This act shall be known and may be cited as the "Truth-in-Consumer Contract, Warranty and Notice Act." L.1981, c. 454, s. 1.

56:12-15. Consumer contract, warranty, notice or sign; violation of legal right of consumer or responsibility of seller, lessor, etc.; prohibition; exemptions No seller, lessor, creditor, lender or bailee shall in the course of his business offer to any consumer or prospective co…

56:12-16. Provision for waiver of rights under act; nullity; statement of provisions void, unenforceable or inapplicable in New Jersey No consumer contract, warranty, notice or sign, as provided for in this act, shall contain any provision by which the consumer waives his rights …

56:12-16.1 Consumer contract relative to motor vehicle; right of consumer to make statements; violations, penalties. 1. a. Notwithstanding the provisions of P.L.1981, c.454 (C.56:12-14 et seq.) or any other law to the contrary, and in addition to any other remedy available under …

56:12-17. Violations; civil liability to aggrieved consumer; action; termination of contract Any person who violates the provisions of this act shall be liable to the aggrieved consumer for a civil penalty of not less than $100.00 or for actual damages, or both at the election of…

56:12-18. Act as additional to other rights, remedies and prohibitions The rights, remedies and prohibitions accorded by the provisions of this act are hereby declared to be in addition to and cumulative of any other right, remedy or prohibition accorded by common law, Federal la…

56:12-18.1 Motor vehicle dealer, possession, consumer, resale, lease, delete consumer's personal information; violations, penalties; definitions. 1. a. Whenever a motor vehicle dealer takes possession of a motor vehicle from a consumer for the purpose of resale or lease, the moto…

56:12-2. Contracts to be written in simple, clear, understandable and easily readable way A consumer contract entered into on or after the effective date of this amendatory and supplementary act shall be written in a simple, clear, understandable and easily readable way. In deter…

56:12-2.1 Cost of residential construction permits, disclosure by contractor; violations, penalties. 1. a. The final invoice regarding a consumer contract for construction or reconstruction at a residential premises shall contain a disclosure by the contractor of the cost of cons…

56:12-29 Findings, intentions. 1. The Legislature finds that the purchase of a new motor vehicle is a major, high cost consumer transaction and the inability to correct defects in these vehicles creates a major hardship and an unacceptable economic burden on the consumer. It is t…

56:12-2a Consumer contracts for services, definition. 1. a. A consumer contract for a service offered by a company shall apply solely to the service offered by the company and purchased by the consumer. The consumer contract shall not contain provisions that allow or require the …

56:12-3. Failure to comply; liability A creditor, seller, insurer or lessor who fails to comply with section 2 of this act shall be liable to a consumer who is a party to the consumer contract for actual damages sustained, if the violation caused the consumer to be substantially …

56:12-30 Definitions. 2. As used in this act: "Co-manufacturer" means, solely with respect to an authorized emergency vehicle as defined in R.S.39:1-1, any person that fabricates the authorized emergency vehicle utilizing a component or components of a new motor vehicle made by a…

56:12-31 Report of nonconformity; repairs. 3. If a consumer reports a nonconformity in a motor vehicle to the manufacturer, or, in the case of a motor vehicle that is an authorized emergency vehicle, the manufacturer, co-manufacturer or post-manufacturing modifier, or its dealer …

56:12-32 Refunds. 4. a. If, during the period specified in section 3 of this act, the manufacturer, or, in the case of an authorized emergency vehicle, the manufacturer, co-manufacturer, or post-manufacturing modifier, of that part of the motor vehicle containing the nonconformit…

56:12-33 Presumption of inability to correct nonconformity; written notification. 5. a. It is presumed that a manufacturer, or, in the case of an authorized emergency vehicle, the manufacturer, co-manufacturer, or post-manufacturing modifier, or its dealer or distributor, is unab…

56:12-34 Statement to consumers. 6. a. At the time of purchase in the State of New Jersey, the manufacturer, or, in the case of an authorized emergency vehicle, the manufacturer, co-manufacturer, or post-manufacturing modifier, through its dealer or distributor, or at the time of…

56:12-34.1 Provision of notice relative to vehicle warranty. 2. a. Within 90 days after the purchase or lease of a new motor vehicle in the State of New Jersey, the motor vehicle manufacturer, distributor, or factory branch shall mail to the buyer or lessee a written statement, p…

56:12-35 Sale, leasing of returned motor vehicle. 7. a. If a motor vehicle is returned to the manufacturer, or, in the case of an authorized emergency vehicle, to the manufacturer, co-manufacturer, or post-manufacturing modifier, under the provisions of this act or a similar stat…

56:12-36 Informal dispute settlement procedure. 8. a. If a manufacturer, or, in the case of an authorized emergency vehicle, a manufacturer, co-manufacturer, or post-manufacturing modifier, has established, or participates in, an informal dispute settlement procedure pursuant to …