---
type: "Bill"
title: "Requires creditors to make certain disclosures regarding collateral protection insurance to consumer debtors.*"
description: "Requires creditors to make certain disclosures regarding collateral protection insurance to consumer debtors.*"
jurisdiction: "us/states/nj"
legislature: "New Jersey Legislature"
session: "218"
identifier: "S 2998"
citation: "New Jersey S 2998 (218)"
classification: ["bill"]
subjects: ["AUTO INSUR", "CONSUMER PRO"]
status: "enacted"
primary_sponsors: ["Downey, Joann", "Freiman, Roy", "Ruiz, M. Teresa"]
version_count: 2
action_count: 13
vote_count: 6
first_action: "2018-09-27T04:00:00+00:00"
last_action: "2020-01-13T05:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/32d7aa84-e46d-4fb8-ab38-fcf71cbf5ebd"
source_url: "http://www.njleg.state.nj.us/downloads.asp"
source_hash: "1f13a158ea667a18cb2e567c44b60352b79ddb87fc6152080097bf44b9d79897"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-nj"]
---

# New Jersey S 2998 (218) — Requires creditors to make certain disclosures regarding collateral protection insurance to consumer debtors.*

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced Version** (committee substitute) — [source](http://www.njleg.state.nj.us/2018/Bills/S3000/2998_I1.HTM)
2. **Reprint** (committee substitute) — [source](http://www.njleg.state.nj.us/2018/Bills/S3000/2998_R1.HTM)

## Votes

- Reported out of Assembly committee with amendments — **12–0** (pass) · lower
- Reported favorably out of committee — **5–0** (pass) · upper
- CONCUR ASMB AM/AM — **36–0** (pass) · upper
- 3RDG FINAL PASSAGE — **34–0** (pass) · upper
- 3RDG FINAL PASSAGE — **77–0** (pass) · lower
- CONCUR IN SA — **68–0** (pass) · lower

## Sponsors

- Downey, Joann — primary (person)
- Freiman, Roy — primary (person)
- Ruiz, M. Teresa — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2018-09-27T04:00:00+00:00** Introduced in the Senate, Referred to Senate Commerce Committee `introduction, referral-committee`
- **2019-02-07T05:00:00+00:00** Reported out of Senate Committee, 2nd Reading `committee-passage`
- **2019-02-21T05:00:00+00:00** Passed Senate (34-0) `passage`
- **2019-02-25T05:00:00+00:00** Received in the Assembly, Referred to Assembly Financial Institutions and Insurance Committee `referral-committee`
- **2019-05-13T04:00:00+00:00** Reported out of Assembly Committee with Amendments, 2nd Reading `committee-passage`
- **2019-11-25T05:00:00+00:00** Assembly Floor Amendment Passed (Johnson) `amendment-passage`
- **2019-12-16T05:00:00+00:00** Substituted for A5323 (2R)
- **2019-12-16T05:00:00+00:00** Passed Assembly (77-0-0) `passage`
- **2019-12-16T05:00:00+00:00** Received in the Senate, 2nd Reading on Concurrence
- **2019-12-16T05:00:00+00:00** Concurred by Senate Amendments (36-0)
- **2019-12-16T05:00:00+00:00** Received in the Assembly, 2nd Reading on Concurrence
- **2019-12-16T05:00:00+00:00** Passed Assembly (Passed Both Houses) (68-0-0) `passage`
- **2020-01-13T05:00:00+00:00** Approved P.L.2019, c.312. `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/32d7aa84-e46d-4fb8-ab38-fcf71cbf5ebd`. Confidence: reported (aggregated from official New Jersey legislature records).