Requires consumer reporting agencies to provide a consumer with a free credit report three times during any 12-month period upon request.

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PASSAGE PROBABILITY

4% Unlikely

Why this number

Stage base Floor Consideration — base rate 18%, measured from NJ's completed sessions
Momentum -1 44/100 from the pace of recorded action
Time since last action -13 102 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.