New Jersey 222nd Legislature Status: Introduced Bipartisan · 1 R · 1 D cosponsors

A 3489 — Makes certain for-profit debt adjusters eligible for licensing to conduct business in State.

Last action — INT 1RA REF ARP

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed General Assembly
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the General Assembly. Introduced January 13, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • Introduced

    Current position in the legislative process.

  • 2 sponsors

    2 primary, 0 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (1 R · 1 D) — cross-party backing.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

For-profit debt adjusters-eligible for licensing to conduct business in State

Bill Text

  • Introduced View text Current html January 08, 2026

How this bill changes current law

4 changes Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

This bill amends 4 section(s) of the New Jersey statutes: N.J.S.A. 17:16G-1; N.J.S.A. 17:16G-2; N.J.S.A. 17:16G-5; N.J.S.A. 17:16G-6.

  • N.J.S.A. 17:16G-1

    an attorney-at-law of this State who is not principally engaged as a debt adjuster → any person engaged in the practice of law e. "For-profit debt adjuster" means a person or entity that conducts some or all of the activities described in paragraph 1 of subsection c. of this section but: (1) does not receive or hold, actually or constructively, consumer funds; and (2) is subject to the provisions of 16 C.F.R. 310.4, or any successor federal law or regulation.

    amended

  • N.J.S.A. 17:16G-2

    or or → , , or a for-profit debt adjuster , , or for-profit debt adjuster

    amended

  • N.J.S.A. 17:16G-5

    A for-profit debt adjuster shall not be subject to requirements of this subsection. The report shall include the total number of active consumers in the State, the total number of enrolled consumers in the State, the total fees collected in the State, and the total amount of debt settled in the State. A licensee that fails to file a report in accordance with this subsection shall be subject to the penalties for failure to make and file the report pursuant to subsection d. of this section. except that a for-profit debt adjuster shall not be required to provide this certification

    amended

  • N.J.S.A. 17:16G-6

    for a nonprofit social service agency and a nonprofit consumer credit counseling agency by a nonprofit social service agency and a nonprofit consumer credit counseling agency d. The commissioner is authorized to establish maximum fees that may be charged by for-profit debt adjusters for debt adjustment and credit counseling.

    amended

Action History

  1. INT 1RA REF ARP

Sponsors

Sponsorship breakdown

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2 sponsors · 0 co-sponsors · 118 not signed on

Sponsors (2)

Co-sponsors (0)

None.

Not signed on (118)

118 members have not signed on to this bill.

Show all 118 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance labor
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does A 3489 do?
For-profit debt adjusters-eligible for licensing to conduct business in State
Who sponsors A 3489?
A 3489 is sponsored by Flynn, Victoria A. (Republican) and Lopez, Yvonne (Democrat).
What is the current status of A 3489?
This bill has been introduced in the General Assembly. Introduced January 13, 2026. It must pass committee before a floor vote.
Where can I track A 3489?
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Last checked for changes 3 months ago · updated continuously

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