NJ A1766

Prohibits landlords from using credit scores or risk assessments to evaluate creditworthiness of affordable housing applicants, requiring instead individualized assessments of income, employment, and payment history.

For tenants with deep rental subsidies (Section 8, State rental assistance), applications can only be denied for creditworthiness if the tenant failed to pay their share of rent two or more times in the past three years while receiving subsidies.

Creates a rebuttable presumption of creditworthiness for applicants who demonstrate ability to pay rent, have regular employment or income history, and made good faith efforts to meet obligations despite insufficient income.

Requires landlords to provide detailed written adverse action notices in English, Spanish, and other languages where 5% or more residents speak that language, including specific findings on each required assessment factor.

Mandates annual reporting to the Attorney General on affordable housing denials, disaggregated by race, ethnicity, sex, and disability status, and allows aggrieved applicants to file discrimination complaints with the Division on Civil Rights or Superior Court.