A 4106 — Clarifies mortgage loans to mean loans made primarily for personal, family, or household purposes.
Last action — REP 2RS
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1Introduced
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2In Committee
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3Passed General Assembly
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4Passed Senate
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5To Executive
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6Enacted
This bill has been introduced in the General Assembly. Introduced February 19, 2026. It must pass committee before a floor vote.
Next likely step: a committee referral and hearing.
Odds of enactment
Low chanceBased on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.
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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.
Prognosis
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Introduced
Current position in the legislative process.
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5 sponsors
2 primary, 3 co-sponsors signed on.
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Single-party support
Sponsorship is currently within one party (5 D).
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Cleared a recorded vote
Passed 3 recorded votes so far.
Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.
In plain language
The bill clarifies the definition of mortgage loans for personal purposes.
This bill specifies that mortgage loans are primarily meant for personal, family, or household purposes. It aims to provide clarity in the definition of these loans.
Summary
Mortgage loans-clarifies, loan primarily for personal/family/household purposes
Bill Text
- Introduced View text Current html February 20, 2026
AI-generated reading aid from the bill's amendatory text — verify against the official bill.
This bill amends 1 section(s) of the New Jersey statutes: N.J.S.A. 46:10B-1.
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N.J.S.A. 46:10B-1
made primarily for personal, family, or household purposes
amended
Action History
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REP 2RS
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R/S REF SCM
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PA
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REP 2RA
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INT 1RA REF AFI
Sponsors
- Roy Freiman · Primary
- Alexander Schnall · Primary
- William B. Sampson IV · Cosponsor
- Tennille R. McCoy · Cosponsor
- Larry Wainstein · Cosponsor
Sponsorship breakdown
Export CSV (upgrade) →2 sponsors · 3 co-sponsors · 115 not signed on · 1 voted No
Sponsors (2)
- Freiman, Roy Democrat
- Schnall, Alexander Democrat
Co-sponsors (3)
- Sampson IV, William B. Democrat
- McCoy, Tennille R. Democrat
- Wainstein, Larry Democrat
Not signed on (115)
115 members have not signed on to this bill.
Show all 115 →"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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 3 | 0 | 0 | 0 |
| Republican | 1 | 0 | 0 | 1 |
| Total | 4 | 0 | 0 | 1 |
| % of votes cast | 80% | 0% | 0% | 20% |
How each member voted (5)
| Member | Party | Vote |
|---|---|---|
| Cryan, Joseph P. | Democrat | Yea |
| Johnson, Gordon M. | Democrat | Yea |
| Lagana, Joseph A. | Democrat | Yea |
| Bramnick, Jon M. | Republican | Not Voting |
| Singer, Robert W. | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 56 | 0 | 0 | 0 |
| Republican | 20 | 1 | 0 | 1 |
| Unaffiliated | 1 | 1 | 0 | 0 |
| Total | 77 | 2 | 0 | 1 |
| % of votes cast | 96% | 3% | 0% | 1% |
How each member voted (80)
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 10 | 0 | 0 | 0 |
| Republican | 4 | 0 | 0 | 0 |
| Total | 14 | 0 | 0 | 0 |
| % of votes cast | 100% | 0% | 0% | 0% |
How each member voted (14)
| Member | Party | Vote |
|---|---|---|
| Bagolie, Rosaura | Democrat | Yea |
| Freiman, Roy | Democrat | Yea |
| Hutchison, Dan | Democrat | Yea |
| Peterpaul Esq., Luanne M. | Democrat | Yea |
| Rodriguez, Ed | Democrat | Yea |
| Schnall, Alexander | Democrat | Yea |
| Simmons, Heather | Democrat | Yea |
| Singh, Balvir | Democrat | Yea |
| Stanley, Sterley S. | Democrat | Yea |
| Venezia, Michael | Democrat | Yea |
| Auth, Robert | Republican | Yea |
| Clifton, Robert D. | Republican | Yea |
| Flynn, Victoria A. | Republican | Yea |
| Myhre, Gregory E. | Republican | Yea |
Subjects
Frequently asked questions
- What does A 4106 do?
- Mortgage loans-clarifies, loan primarily for personal/family/household purposes
- Who sponsors A 4106?
- A 4106 is sponsored by Freiman, Roy (Democrat), Schnall, Alexander (Democrat), Sampson IV, William B. (Democrat), McCoy, Tennille R. (Democrat), and Wainstein, Larry (Democrat).
- What is the current status of A 4106?
- This bill has been introduced in the General Assembly. Introduced February 19, 2026. It must pass committee before a floor vote.
- Where can I track A 4106?
- Track A 4106 free on One Click Politics — get push/email alerts when it moves.
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Last checked for changes 2 days ago · updated continuously
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