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Regulation by state

MCA leads in New Jersey.

New Jersey has no commercial financing disclosure law in force — Senate Bill 1760 has been introduced but not enacted, despite being widely listed as law.

Checked 30 August 2026 · Not legal advice

Disclosure law
None
Registration
None
State calling act
Federal only

The rules.

Disclosure law
None in force.
Registration
None specific to commercial financing. General New Jersey licensing rules apply as they would to any business.
Calling
Federal TCPA plus New Jersey’s telemarketing statute. New Jersey does not operate an FTSA-style regime with per-violation statutory damages for autodialled business calls.

What changes for a broker.

  1. There is no New Jersey disclosure obligation to comply with today. If a vendor or a compliance vendor tells you otherwise, ask them to name the statute.
  2. Senate Bill 1760 proposes requirements across sales-based, closed-end, open-end and factoring transactions, with exemptions for providers doing fewer than five transactions a year or transactions above $500,000. Those thresholds are worth knowing now, because they are what would apply.
  3. New Jersey merchants are frequently funded on New York-governed paper, so the New York rules often reach the deal even though the New Jersey ones do not.

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