New Jersey S 1648: Immunizes from civil liability first responders who forcibly enter property to provide emergency assistance.

Bill Text

S1648 

SENATE, No. 1648 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Senator ANDREW ZWICKER

District 16 (Hunterdon, Mercer, Middlesex and Somerset)

Senator NILSA I. CRUZ-PEREZ

District 5 (Camden and Gloucester)

Co-Sponsored by:

Senator Gopal

SYNOPSIS

���� Requires DMVA to provide mortgage loan counseling 
under certain circumstances.

CURRENT VERSION OF TEXT 

���� Introduced Pending Technical Review by Legislative 
Counsel.

��

An Act concerning mortgage loan counseling for veterans and 
supplementing P.L.2009, c.53 (C.17:11C-51 et al.).

���� Be It 
Enacted by the Senate and General Assembly of 
the State of New Jersey:

���� 1.��� a.� Every residential 
mortgage lender that originates loans secured by real property used for 
residential purposes located in this State which are to be guaranteed under the 
�Servicemen's Readjustment Act of 1944,� Pub.L.78-346 (38 U.S.C. s.3701 et 
seq.) shall provide a separate disclosure form with each application stating 
that a veteran seeking a housing loan under Chapter 37 of Title 38 of the 
United States Code has been offered loan counseling services pursuant to this 
act.� Upon the request of an eligible applicant, the department shall refer the 
applicant to the New Jersey Housing and Mortgage Finance Agency for mortgage 
loan counseling and assistance pursuant to subsection b. of this section.� The 
disclosure form required pursuant to this section shall be signed by each 
applicant and shall include information detailing how to access the loan 
counseling services.

���� b.��� Upon the request of any 
veteran, the department shall provide counseling and assistance to applicants 
for a mortgage loan pursuant to this section.� Loan counseling and assistance 
shall include a review of the terms and restrictions of the loan, information 
determined by the New Jersey Housing and Mortgage Finance Agency to be appropriate 
for a veteran seeking a housing loan under Chapter 37 of Title 38 of the United 
States Code, and any other information that may be required under federal law, 
rule, or regulation.

���� c.���� As used in this 
section:

���� �Department� means the 
Department of Military and Veterans� Affairs.

���� �Veteran" means any 
resident of the State now or hereafter who has been discharged honorably or 
under general honorable conditions in any branch of the Armed Forces of the 
United States, or a Reserve component thereof, or the National Guard of this State 
or another state as defined in section 1 of P.L.1963, c.109 (C.38A:1-1), or any 
honorably discharged member of the American Merchant Marine who served during 
World War II and is declared by the United States Department of Defense to be 
eligible for federal veterans' benefits.

���� 2.��� This act shall take 
effect on the first day of the seventh month next following the date of 
enactment. 

STATEMENT

���� This bill requires the New 
Jersey Housing and Mortgage Finance Agency (NJHMFA) to provide counseling and 
assistance to applicants for a mortgage loan for a property in New Jersey that 
is to be guaranteed by the federal �Servicemen's Readjustment Act of 1944,� 
commonly known as the G.I. Bill.� Under the bill, loan counseling and 
assistance is required to include a review of the terms and restrictions of the 
loan, information determined by the NJHMFA to be appropriate for a veteran 
seeking a housing loan under the G.I. Bill, and any other information that may 
be required under federal law, rule, or regulation.

���� This bill requires residential 
mortgage lenders in New Jersey to provide a separate disclosure form with each 
application stating that a veteran seeking a housing loan under the G.I. Bill 
has been offered loan counseling services pursuant to the provisions of the 
bill.