NJ S219

Prohibits the use of credit scores and automated risk assessments when evaluating affordable housing applicants, requiring instead individualized assessments of income, employment, and payment history.

Establishes that affordable housing applicants with deep rental subsidies cannot be denied for creditworthiness if their gross monthly income equals or exceeds 2.5 times their tenant share of rent; other affordable housing applicants need income equal to 2 times the monthly rent.

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 inadequate income.

Requires landlords who deny affordable housing applicants to provide written adverse action notices in English, Spanish, and other applicable languages, detailing specific reasons and screening information used.

Mandates annual reporting to the Attorney General on affordable housing application denials based on creditworthiness, disaggregated by race, ethnicity, sex, and disability status, and designates violations as unlawful discrimination under the Law Against Discrimination.