{"data":{"id":"us-nj/n.j.-stat.-56-12-1","jurisdiction":"us-nj","citation":"N.J. Stat. § 56:12-1","heading":"Definitions.","body":"1.\tAs used in this act:\n\"Consumer contract\" means a written agreement in which an individual:\na.\tLeases or licenses real or personal property;\nb.\tObtains credit;\nc.\tObtains insurance coverage, except insurance coverage contained in policies subject to the \"Life and Health Insurance Policy Language Simplification Act,\" P.L.1979, c.167 (C.17B:17-17 et seq.);\nd.\tBorrows money;\ne.\tPurchases real or personal property;\nf.\tContracts for services including professional services;\ng.\tEnters into a service contract, as defined in section 1 of P.L.2013, c.197 (C.56:12-87),\nfor cash or on credit and the money, property or services are obtained for personal, family or household purposes.  \"Consumer contract\" includes writings required to complete the consumer transaction. \"Consumer contract\" does not include a written agreement involving a transaction in securities with a broker-dealer registered with the Securities and Exchange Commission, or a transaction in commodities with a futures commission merchant registered with the Commodity Futures Trading Commission.\nL.1980, c.125, s.1; amended 1981, c.464, s.1 (s.11 amended 1982, c.88, s.6); 1982, c.195; 2013, c.197, s.11.","path":["TITLE 56 TRADE NAMES, TRADE-MARKS AND UNFAIR TRADE PRACTICES"],"source_url":"https://pub.njleg.state.nj.us/statutes/STATUTES-TEXT.zip","current_through":"P.L.2025, c.405, and J.R.22","vintage":"","retrieved_at":"2026-08-27T17:54:13Z","sha256":"feda73fc55dfa05374000af86d6680410f856874ae0ff777ad6b27210f99b7cf","source_id":"us-nj","stale":true,"prev":"us-nj/n.j.-stat.-56-11-63","next":"us-nj/n.j.-stat.-56-12-2"},"notice":"GroundRules: Original legal text. Not legal advice."}