New Jersey A 3255: Requires four-year institutions of higher education to offer bachelor's degree programs that may be completed in three years.

Bill Text

A3255 1R 

[First Reprint]

ASSEMBLY, No. 3255 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Assemblyman DAN HUTCHISON

District 4 (Atlantic, Camden and Gloucester)

Assemblyman� CODY D. MILLER

District 4 (Atlantic, Camden and Gloucester)

Assemblyman� ANTHONY ANGELOZZI

District 8 (Atlantic and Burlington)

SYNOPSIS

���� Broadens scope of information sharing and civil 
immunity therefor, related to insurance fraud.

CURRENT VERSION OF TEXT 

���� As reported by the Assembly Public Safety and 
Preparedness Committee on March 19, 2026, with amendments.

�� 

An Act concerning insurance fraud, amending P.L.1985, 
c.179, and amending and supplementing P.L.1983, c.320.

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

���� 1.��� Section 2 of P.L.1985, 
c.179 (C.17:23A-2) is amended to read as follows:

���� 2.��� [Definitions.]��� As used in 
[this 
act] P.L.1985, 
c.179 (C.17:23A-1 et seq.):

���� a.���� "Adverse 
underwriting decision" means:

���� (1)�� Any of the following 
actions with respect to insurance transactions involving insurance coverage 
which is individually underwritten for an individual:

���� (a)�� A declination of 
insurance coverage,

���� (b)�� A termination of 
insurance coverage,

���� (c)�� Failure of an agent to 
apply for insurance coverage with a specific insurance institution which the 
agent represents and which is requested by an applicant,

���� (d)�� In the case of a 
property or casualty insurance coverage:

���� (i)��� Placement by an 
insurance institution or agent of a risk with a residual market mechanism or an 
unauthorized insurer, or

���� (ii)�� The charging of a 
higher rate on the basis of information which differs from that which the 
applicant or policyholder furnished,

���� (e)�� In the case of a life, 
health or disability insurance coverage, an offer to insure at a higher rate 
than the insurance institution's table of premium rates applicable to the age 
and class of risk of each person to be covered under that coverage and to the 
type and amount of insurance provided.

���� (2)�� Notwithstanding 
paragraph (1) above, the following actions, if permitted by law, shall not be 
considered adverse underwriting decisions but the insurance institution or 
agent responsible for their occurrence shall nevertheless provide the applicant 
or policyholder with the specific reason or reasons for their occurrence:

���� (a)�� The termination of an 
individual policy form on a class or Statewide basis,

���� (b)�� A declination of 
insurance coverage solely because such coverage is not available on a class or 
Statewide basis, or

���� (c)�� The rescission of a 
policy.

���� b.��� "Affiliate" or 
"affiliated" means a person that directly, or indirectly through one 
or more intermediaries, controls, is controlled by or is under common control 
with another person.

���� c.���� "Agent" means 
any person defined in chapter 22 of Title 17 of the Revised Statutes [, chapter 22 
of Title 17B of the New Jersey Statutes] 
and in R.S.17:35-23. �Agent� includes an insurance producer as defined in 
section 3 of P.L.2001, c.210 (C.17:22A-28).

���� d.��� "Applicant" 
means a person who seeks to contract for insurance coverage other than a person 
seeking group insurance that is not individually underwritten.

���� e.���� "Commissioner" 
means the Commissioner of Banking and Insurance.

���� f.���� "Consumer 
report" means any written, oral or other communication of information 
bearing on a natural person's creditworthiness, credit standing, credit 
capacity, character, general reputation, personal characteristics or mode of 
living which is used or expected to be used in connection with an insurance 
transaction.

���� g.��� "Consumer reporting 
agency" means any person who:

���� (1)�� Regularly engages, in 
whole or in part, in the practice of assembling or preparing consumer reports, 
for a monetary fee, [and]

���� (2)�� Obtains information 
primarily from sources other than insurance institutions, and

���� (3)�� Furnishes consumer 
reports to other persons.

���� h.��� "Control," 
including the terms "controlled by" or "under common control 
with," means the possession, direct or indirect, of the power to direct or 
cause the direction of the management and policies of a person, whether through 
the ownership of voting securities, by contract other than a commercial 
contract of goods or nonmanagement services, or otherwise, unless the power is 
the result of an official position with or corporate office held by the person.

���� i.���� "Declination of 
insurance coverage" means a denial, in whole or in part, by an insurance 
institution or agent of requested insurance coverage.

���� j.���� "Individual" 
means any natural person who:

���� (1)�� In the case of property 
or casualty insurance, is a past, present or proposed named insured or 
certificate holder;

���� (2)�� In t