Bill > S1306

This bill prohibits consumer reporting agencies, which are companies that collect and sell information about individuals' creditworthiness, from including any negative information in a consumer report if that information is a direct result of a federal government shutdown. This protection extends to "affected employees," defined as federal employees who worked without pay or were furloughed without pay during a shutdown, or employees of federal contractors whose pay was suspended due to the shutdown. These employees can request that such adverse information be disregarded by providing proof of their employment status during the shutdown to both the consumer reporting agency and any entity using the report. The bill also clarifies that this prohibition applies to any federal government shutdown, not just those starting after a specific date, and that the act takes effect immediately, applying to any adverse information stemming from a federal government shutdown.

Business and Industry

https://www.njleg.state.nj.us/bill-search/2024/S1306